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Luz Y Salvación Group
In this Group: Eusebia, Esperanza, Francis, Carolina
The Luz y Salvación Group consists of four hardworking women. One of them is Eusebia de los Ángeles S. Medina who has sold cooked beans, ice and used clothing for two years. She also has a small snack sales business. She will invest the loan in stocking her business with more merchandise.

Ms. S. is married and has four children who are 16, 13, 11, and 1. After school, the older ones help her attend to the business.

The other group members are Esperanza del Socorro S. who has sold nacatamales, chicken and clothing for the past ten years; Carolina Jamileth who has sold clothing and shoes for several years; and Francis Martínez García who sells silver items such as rings, bracelets, necklaces and earrings.

View original language description ↓
El grupo Luz y Salvación está conformado por cuatro mujeres trabajadoras una de ellas es Eusebia de los Ángeles S. Medina quien desde hace dos años vende frijoles cocidos, hielo y ropa usada además tiene una pequeña venta de chiverías. Ella invertirá el crédito en surtir su venta con mayor cantidad de mercadería.
S. es casada y tiene cuatro hijos de 16, 13, 11 y 1 una año de edad, los mayores después de clases le ayudan a atender el negocio.
Las otras integrantes del grupo son Esperanza del Socorro Sandobal quien vende nacatamales, pollo y ropa desde hace 10 años, Carolina Jamileth desde hace un años vende ropa y zapatos y Francis Martínez García vende prendas de plata como anillos, pulseras, collares, chapas.

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
  • $25,756,600
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Y Salvación Group's $875 loan helped a member clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 19, 2010
Nov 29, 2010
Currency Exchange Loss:
Apr 15, 2011