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Visión Hacia El Futuro Group
In this Group: Raquez, Karla, Arling, Carol, Lisbeth
The group "Visión Hacia el Futuro" (Vision Towards the Future) is comprised of 5 hardworking women. One is Raquel M., who has sold clothing, shoes and food for the last 10 years. She will invest her loan to strengthen her business.

The other group members are Arling E., who sells undergarments, Karla O., a hair stylist, Lisbeth C., who sells clothing and bed linens, and Carol L., who sells clothing and fast food.
View original language description ↓
El grupo Visión hacia el Futuro está con formado por cinco mujeres trabajadoras y esforzadas una de ellas es Raquel M. quien vende ropa, zapatos y comida desde hace 10 años. Ella invertirá el crédito para reforzamiento de su negocio.

Las otras integrantes del grupo son Arling E. vende prendas, Karla O. es cortera, Lisbeth C. vende ropa y sabanas y Carol L. comercializa ropa y comida rápida.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Visión Hacia El Futuro Group's $1,875 loan helped a member business merchandise, such as clothing, shoes and food.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 11, 2010
Sep 17, 2010
Currency Exchange Loss:
May 15, 2011