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Tamara Group
In this Group: María Francisca , Josefa Mercedes, Julia Marcelina
The Tamara Group, composed of 3 hard-working, forceful and determined women, has worked with Kiva since its 1st loan cycle. The coordinator of the group is Mrs. María Francisca who, 3 years ago, began to make and sell ice cream, fermented maize drink, and Nicaraguan snacks in the evening, with the goal of advancing her son and progressing along with her husband, who works as a laborer at UNAN, the Autonomous National University of Nicaragua.

With this loan she will invest in tacos, ice cream, chewing gum, fermented maize drink, cooking oil, etc., so that her business will continue to progress.

Her companions in the group are Josefa Mercedes, who struggles shoulder to shoulder with her life companion who drives a taxi, while she sells fermented maize drink, ice cream, and chocolate-dipped bananas from her home; and Julia Marcelina, who sell Nacatamales, a typical local treat sold generally on weekends.
View original language description ↓
El grupo Tamara está integrado por tres personas trabajadoras, esforzadas y decididas quienes trabajan han trabajado con kiva desde su primer ciclo. La coordinadora del grupo es la señora María Francisca Z. quien hace tres años empezó a hacer y vender helados, fresco y fritanga por las noches con el fin de sacar a delante a su hijo y progresar junto a su esposo quien trabaja como afanador en la Universidad Nacional Autonoma de Nicaragua (UNAN).

Ella con el préstamo invertirá en Tacos, helados, chicles, fresco de chicha, aceite etc. con lo cual su negocio seguirá progresando. Sus compañeras de grupo son Josefa Mercedes F. quien lucha hombro a hombro con su compañero de vida quien mientras el anda taxiando ella vende en su casa que vende fresco, helados y chocobananos y Julia Marcelina C. quien vende Nacatamales, comida típica que generalmente se comercializa los fines de semana.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,767,775
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Tamara Group's $700 loan helped a member bUYING BASIC GRAINS, MEAT, COOKING OIL, ETC., TO PREPARE MEALS TO SELL.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 30, 2010
May 8, 2010
Currency Exchange Loss:
Oct 15, 2010