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El Esfuerzo Group
In this Group: María Eugenia, Teresa De Jesús, Kenia Del Socorro
The group "El Esfuerzo" is comprised of three determined, hardworking women who, with much effort, have built their businesses. María Eugenia Cuaresma Gutiérrez is the coordinator of the group, and has a small business selling clothes and cosmetics on order, which has helped her to get ahead. Teresa de Jesús R. is 42 years old, and since 1999 has sold cosmetics and gold, silver and costume jewelry. With her earnings she has been able to provide her two children, who are her main workforce, with a comfortable life and a good education. Kenia del Socorro B. Silvia has sold cosmetics through catalogs for 16 years, this has helped her to continue her studies and enabled her to provide for her needs.
View original language description ↓

El grupo el Esfuerzo está integrada por tres mujeres decididas, trabajadoras y que con mucho esfuerzo han construido sus negocios. María Eugenia Cuaresma Gutiérrez es la coordinadora del grupo y tiene un pequeño negocio de venta de ropa y cosméticos por encargo con los cuales se ayuda para salir adelante.

Teresa de Jesús R. de 42 años desde 1999 vende cosméticos y prendas de oro, plata y fantasía con sus ganancias ha conseguido brindarles bienestar y una buena educación a sus dos hijos que son su mayor fuerza de trabajo.

Kenia del Socorro B. Silvia desde los 16 años vende cosméticos por catalogo con los cuales ayudado para continuar sus estudios y poder subsistir.

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Nicaragua

  • $4,800
    Average annual income
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Esfuerzo Group's $875 loan helped a member to buy merchandise: clothes and cosmetics.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 29, 2009
Oct 30, 2009
Currency Exchange Loss:
Jun 15, 2010