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Las 3 M Group
In this Group: Blanca , Melania , Martha
Blanca F. Montoya, Melania L. & Martha H. are the members of the 3M group. They are forward-looking, hard-working, very capable women. Mrs. L. has made nacatamales for the past 20 years. [A nacatamal consists of dough (masa) (made from nixtamalized corn flour, milk and lard mixed with ground potatoes, green peppers, onions, garlic, salt and spice) and a filling (relleno) consisting of pork or chicken, tomatoes, rice, garlic, onions, potatoes, and mint leaves. The filling may also include olives, raisins or fresh chile. It is wrapped in plantain leaves to give it a unique flavor, tied, and then steamed or pressure cooked for several hours]. This typical Nicaraguan dish is usually served, accompanied by tortillas or bread and coffee, for Saturday dinner or Sunday breakfast. F. Montoya began selling Avon products door-to-door last year and Martha H. sells tortillas, beans and cuajada (Cuajada is a soft type of cheese that is maybe similar to feta but much saltier and great to eat with gallo pinto or just beans alone).
View original language description ↓

El Grupo las 3 M está integrado por Blanca F. Montoya, Melania L. y Martha H.. Ellas son mujeres trabajadoras, con visión y muy capaces.
La señora L. desde hace 20 años realiza nacatamales. Esta es una comida típica Nicaragüense que se a acostumbra comer en la cena del sábado o en el desayuno del domingo, acompañado por pan o tortillas y café.
F. Montoya desde hace un año empezó a vender productos Avon de manera ambulante y Martha H. vende tortillas, frijoles y cuajada.

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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las 3 M Group's $675 loan helped a member for raw materials like: pork, rice, potatoes, firewood, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 26, 2009
Nov 27, 2009
Currency Exchange Loss:
Apr 15, 2010