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Jehova Shama Group
In this Group: María, Marling, Cristina
The Jehova Shama group is comprised of three hard-working women, including María, 49, who runs a small store, salon and snack bar. She began 25 years ago after obtaining a beautician certificate. She first began running a salon out of her house and with credit later expanded her store's sales. With this credit, Maria will buy inventory for her businesses, especially in order to prepare for Mother's Day.
The other women in this group include Cristina, 47, who has run a small food and snack store for the past 15 years, and Marling, who sells food and drinks on weekends and ice and soft drinks daily.
View original language description ↓
El grupo Jehova Shama lo conforman tres féminas trabajadoras y emprendedoras una de ellas es la señora María de 49 años propietaria de una pequeña venta, sala de belleza y refresquería. Ella inicio hace 25 años desde que se graduó en belleza a trabajar en ello primeramente a domicilio luego con los préstamos puso su salón, la venta y los refrescos.
Ella con el crédito comprara productos para sus negocios en especial porque viene el día de las madres.
Las otras integrantes son Cristina de 47 años tiene una desde hace 15 años tiene una pulpería la cual inicio con la venta de chiverias y Marling vende comida y cervezas los fines de semana y hielo y recargas diario.

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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Jehova Shama Group's $875 loan helped a member to buy cosmetics and related items.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 2, 2011
May 11, 2011
Currency Exchange Loss:
Nov 16, 2011