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Las Hijas De Dios Group
In this Group: María Elena, Gissel De La Cruz, Veronica Seraphia

Update on Las Hijas De Dios Group

The members of the group will invest the loan in merchandise for their businesses in order to continue growing. The coordinator of the group María Elena, in addition to selling clothing, makes meals and it is in the purchase of staple foods that she will invest.
View original language description ↓
Las integrantes del grupo invertiran el credito en mercaderia para sus negocios con el fin de seguir creciendo. La coordinadora del grupo María Elena ademas de vender ropa realiza comidas y es en la compar de granos básicos que invertirá.

Previous Loan Details

The Grupo Las Hijas de Dios (God’s Daughters Group) is composed of three hardworking women: Maria Elena Z. B., Gissel De La Cruz S. R. and Veronica Sereaphia M. O.. This is their first loans with Adim, and they will invest it in their activities with the firm intent to make them grow. Ms. Z. is ... More from Las Hijas De Dios Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Hijas De Dios Group's $550 loan helped a member to buy shirts, trousers, blouses and other items of clothing.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 22, 2011
Sep 29, 2011
Currency Exchange Loss:
Mar 15, 2012
This photo was used before for a previous loan for Las Hijas De Dios Group. It was first posted on Kiva on Apr, 2011. Learn More