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Yurem Group
In this Group: María José, Martha, María
Three hardworking women make up the Yurem loan group. One of them is María José G. V., who is 21 years old and runs a small bakery. She learned this profession from her husband, who inherited the bakery from his parents. She considers it to be a family business and works hard to get ahead and give her son schooling, food, love, and above all a good childhood.

The other members of the group are Zulmira Maltez, who is 25 years old and has been selling clothes for some years, and Martha Lorena F. Hondoy, who works selling both new and used clothing.
View original language description ↓
El grupo Yurem está conformado por tres personas trabajadoras una de ellas es María José G. V. de 21 años quien tiene una pequeña panadería oficio que aprendió de su esposo el cual lo heredo de sus padres. Ella considera su negocio familiar en cual trabaja arduamente para salir adelante y para que su hijo tenga estudio, alimentación, amor y sobre todo niñez.
Las otras integrantes son Zulmira Maltez de 25 años quien vende ropa desde hace años y Martha Lorena F. Hondoy quien se dedica al comercio de ropa usada y nueva.

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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Yurem Group's $1,025 loan helped a member to purchase flour, sugar, and other ingredients.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 16, 2010
Nov 22, 2010
Currency Exchange Loss:
Jun 15, 2011