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La Estrella Celeste Group
In this Group: Rosa, Mercedes, Escarla
The group "La Estrella Celeste" [The Heavenly Star] is made up of hardworking and entrepreneurial women. One of them is Rosa Esmeralda, 35, who has had a grocery store for two years which she started up with the sale of dairy products, soft drinks, refreshments etc. In addition she sells cosmetics. She will invest the loan in her two businesses, but will give priority to the cosmetics for Mother's Day.

The other members are Skarleth who devotes herself to selling used clothing, which she has done for three years, and Mercedes who sells firewood and beans which she has done for seven years.
View original language description ↓
El grupo la Estrella Celeste lo conforman tres mujeres trabajadoras y emprendedoras una de ellas es Rosa Esmeralda de 35 años de edad quien tiene una pulpería desde hace dos años la cual inicio con la venta de chiverías, gaseosas, refrescos…etc. además comercializa cosméticos. Ella invertirá el crédito en sus dos negocios pero priorizara los cosméticos para el día de las madres.
Las otras integrantes son Skarleth quien se dedica a la venta de ropa usada desde hace 3 años y Mercedes quien vende leña y frijoles desde hace 7 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
  • 51
    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 portion of La Estrella Celeste Group's $525 loan helped a member to purchase grocery staples and cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 26, 2012
May 12, 2012
Currency Exchange Loss:
Nov 16, 2012