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Chiltoma Group
In this Group: Nubia, Consuelo, María
The "Chiltoma" solidarity group is composed of Nubia Auxiliadora, Maria Elena and Consuelo del Carmen; three energetic and hard-working women. This group has been working with ADIM for 8 loan cycles, and they have shown themselves to be good, responsible clients.

Nubia Auxiliadora, 24, is the coordinator of the group. She has been selling fruits and vegetables in the Masaya market for 5 years. With the loan, she will buy taro root, chayote squash and other products.

The other members are Maria Elena, who sells nacatamales and yoltamal (both are traditional nicaraguan corncakes), and corn etc. Consuelo is 60. She butchers pigs, and sells the meat and by-products in the street. They will all use the loan to buy merchandise.
View original language description ↓
El grupo solidario Chiltoma se encuentra conformado por Nubia Auxiliadora, Maria Elena y Consuelo del Carmen tres mujeres trabajadoras y esforzadas. Este grupo tiene 8 ciclos trabajando con Adim en los cuales han demostrado ser responsables y unos buenos clientes.
Nubia Auxiliadora de 24 años es la coordinadora del grupo. Ella se dedica a la venta de frutas y verduras en el mercado de Masaya desde hace 5 años y con el crédito comprara quequisque y chayotes entre otros productos.
Las otras integrantes son María Elena quien vende nacatamales, elotes, yoltamal…etc. y Consuelo de 60 años quien se dedica al destace de cerdos y la venta ambulante de su carne y derivados. Todas ellas utilizarán el crédito para la compra de mercadería.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Chiltoma Group's $975 loan helped a member to buy taro root and chayote squash.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 15, 2011
Aug 29, 2011
Currency Exchange Loss:
May 15, 2012