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Querube De María

Update on Querube De María

Querube is a hardworking and enterprising woman of 37 years and has been in the business of selling handicrafts and gold and silver jewelry for the past six years. She started this business with a small flower shop and began to work in other types of artwork, like pottery, beginning by offering these crafts to her friends and little by little has grown her business. The loan will be invested in craft wares and gold and silver jewelry.

She is married and has two children, who are 6 and 10 years old, and her goals are to finish her university studies in pharmacology and grow her business.
View original language description ↓
La señora Querube es una mujer trabajadora y emprendedora de 37 años quien se dedica al comercio de artesanías y prendas desde hace 6 años. Este negocio lo inicio primeramente con una floristeria y luego empezo a invertir en otros rubros como es la artesanías de barro y empezó a ofrecer este arte a sus amistades y poco a poco fue aumentando su negocio. El crédito lo invertirá en mercadería artesanías y prendas de oro y plata.
Ella está casada y tiene dos niños de 10 y 6 años respectivamente, y sus metas son terminar sus estudios universitarios en farmacología y aumentar su negocio.

Previous Loan Details

Querube de María Martínez J. is a hardworking woman who has vision and a desire for self-improvement. She opened a floral shop after taking a flower arranging course in which the goal for each of the participants was to start a business. Over time, her investment has grown little by little. ... More from Querube De María'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.

About Nicaragua

  • $4,800
    Average annual income
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Querube De María to buy handicrafts and gold and silver jewelry.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 16, 2012
Apr 25, 2012
Currency Exchange Loss:
Jan 19, 2013