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Lluvia Group
In this Group: Lorena, Flor De María, Zoyla
The Lluvia group is made up of three hard-working and entrepreneurial women: Lorena, Flor de María and Zoyla. They have benefited from loans and also training workshops in which they have learned self esteem and how to run their businesses.

The group's coordinator is 38 year-old Lorena who has owned a tortilla bakery for 10 years. She has five children aged 21, 18, 15, 13 and 11 who are in school and help her in her business.

The other members of the group are 42 year-old Flor de María who sells firewood, ice and chocolate-covered bananas, and 39 year-old Zoyla who has been selling clothes for six years.
View original language description ↓
El grupo Lluvia lo conforman tres mujeres trabajadoras y emprendedoras ellas son Lorena , Flor de María y Zoyla . Ellas han sido beneficiadas tanto por el crédito como por los talleres de capacitación en los cuales aprendieron de autoestima y cómo manejar su negocio.

La coordinadora del grupo es la señora Lorena de 38 años quien desde hace 10 años tiene una tortillería la cual inicio al suave. Ella tiene 5 hijos de 21, 18,15, 13 y 11 años los cuales estudian y le ayudan en el negocio.

Las otras integrantes son Flor de María de 42 años quien vende leña, hielo y chocobanano y Zoyla de 39 años se dedica al comercio de ropa desde hace 6 años.

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
  • 52
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Lluvia Group's $975 loan helped a member to buy corn and firewood.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 11, 2011
May 20, 2011
Currency Exchange Loss:
Nov 16, 2011