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Alfarero Group
In this Group: Irene Auxiliadora, Heydi Natalia, Fabiola Dle Carmen
The communal bank Alfarero is composed of Irene Auxiliadora T. U., 39 years old, Heydi Natalia R. U., 22 years old, and Fabiola del Carmen B. M., 27 years old, three women who have learned to manage in life despite being young.

Irene, who is the coordinator, has been buying and selling gold and silver for a living for 3 years. She started, with a little of her own capital, by buying jewelry and reselling it for a higher price. She will use this loan to buy higher value jewelry. Heydi works at home as a stylist in addition to selling clothing out of her home. Fabiola sells soda, beer and Eskimo products out of her home.
View original language description ↓
El grupo solidario Alfarero lo integran Irene Auxiliadora T. U. de 39 años, Heydi Natalia R. U. de 22 años y Fabiola del Carmen B. M. de 27 años; tres mujeres que han sabido hacerle frente a la vida a pesar de afrontarla a temprana edad.

Irene, quien es la coordinadora, se dedica desde hace 3 años a la compra/venta de oro y plata, inició con poco capital propio invirtiendo en algunas prendas y revendiéndolas a un precio mayor y en esta ocasión utilizará el crédito que le brinda la institución para la compra de prendas de mayor valor. Heydi es estilista en su hogar y a domicilio, además vende ropa en su casa de habitación; por otro lado Fabiola tiene en su hogar una venta de gaseosas, cervezas y productos ESKIMO.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Alfarero Group's $500 loan helped a member to purchase merchandise for their businesses.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 26, 2010
Sep 7, 2010
Currency Exchange Loss:
Dec 15, 2010