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Vida Y Esperanza Group
In this Group: Rosa Amanda, Martha Francisca, Clemente José
The “Vida y Esperanza” (Life and Hope) group is made up of three hard working people. One of them is Rosa Amanda C. Ríos. She’s been selling milk products for the past eight years. Her business has moved ahead thanks to the loans she has received. She has four children, ages 21, 19, 17, and 12, all of whom attend school. The other members of the group are Martha Fransisca M., who sells cosmetics, and Clemente José E., who sells basic grains.
View original language description ↓
El grupo Vida y Esperanza está integrado por tres personas trabajadoras y esforzadas una de ellas es Rosa Amanda C. Ríos quien comercializa productos lácteos desde hace ocho años con poco pero con los créditos su negocio ha salido adelante. Ella tiene cuatro hijos de 21, 19,17 y 12 los cuales estudian.
Las otras integrantes son Martha Francisca M. comerciante de cosméticos y Clemente José E. vende granos básico.

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
  • 21.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Vida Y Esperanza Group's $525 loan helped a member ingredients.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 23, 2010
Jul 26, 2010
Currency Exchange Loss:
Dec 15, 2010