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El Clavel Group
In this Group: Yohana Del Socorro , Maricela, Mercedes Lourdes
The group “El Clavel” (The Carnation) consists of Johana del Socorro, Mercedes de Lourdes, and Maricela Auxiliadora. These three hardworking and enterprising women are originally from Nindiri. This group has worked with ADIM for seven loan cycles and they have demonstrated that they are responsible people. As a result, their businesses have grown.

The group coordinator is Sra. Johana. She is 24 years old and started a business four years ago selling snack foods, sodas, and refreshments. At the moment, she prepares lunches. On the weekends, she manages a “fritanga” (a restaurant that sells fried foods) where she serves enchiladas. She will use her loan to buy rice, beans, oil, plantains, and other products. Her goal is to continue improving her business.

Sra. Mercedes, age 38, also has a “fritanga” since fried foods are popular. Maricela, age 29, has been selling refreshments, snack foods, and enchiladas for three years.

View original language description ↓
El grupo El Clavel lo conforman Johana del Socorro, Mercedes de Lourdes y Maricela Auxiliadora tres mujeres trabajadoras y emprendedoras originarias de Nindiri. Este grupo tiene siete ciclos trabajando con Adim en los cuales han sido personas responsables y sus negocios han crecido.

La coordinadora del grupo es la señora Johana de 24 años quien inicio 4 años vendiendo meneítos, gaseosa y fresco en la actualidad entrega almuerzos, los fines de semana instala su fritanga donde vende enchiladas.
Ella con el crédito con el crédito comprara arroz, frijoles, aceite, plátano…etc. con la meta de seguir mejorando su negocio.

La señora Mercedes de 38 años tiene una fritanga, restaurante popular que consiste en comida frita y Maricela de 29 años desde hace tres años vende frescos, meitos y enchiladas.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Clavel Group's $700 loan helped a member to purchase rice, beans, oil, plantains, and other products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 16, 2011
May 25, 2011
Currency Exchange Loss:
Nov 16, 2011