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Luz De Cristo Group
In this Group: Ariana, María, Karla
The “Luz de Cristo” (Christ’s Light) is composed of three hard working, dedicated, enterprising women. One of them is Ariana Liseth Sáenz, 32, who sells a variety of merchandise like shoes, clothes, perfumes and costume jewelry. She started the business four years ago when she was facing an economic crisis which was overcome by selling a few products. She dreams with becoming a great wholesale merchant and will invest the loan in the purchase of merchandise to stock her business.

The other group members are María Valentina O., 46, who has sold perfumes, shoes and clothes for the last 15 years since she was widowed and had to support her family alone and Karla M. who sells clothes, shoes and perfumes.
View original language description ↓
El grupo Luz de Cristo lo conforman tres mujeres trabajadoras, esforzadas y emprendedoras una de ellas es Ariana Liseth Saenz de 32 años quien comercializa productos variados entre esos calzado, ropa, perfumes y bisutería. Ella comenzó con este negocio hace cuatro años cuando enfrentaba una crisis económica la cual vio solventada vendiendo algunos productos.
Ella sueña en convertirse en una gran comerciante que venda por mayor e invertirá el crédito en la compra de mercadería para surtir su negocio.
Las otras integrantes del grupo son María Valentina O. de 46 años vende perfumes, zapatos y ropa desde hace 15 años cuando quedo viuda y tuvo que ver cómo sacar adelante a su familia y Karla M. vende ropa, zapatos y perfumes.

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
  • $25,767,775
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz De Cristo Group's $800 loan helped a member for clothing.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Feb 20, 2011
Currency Exchange Loss:
Aug 15, 2011