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Frezia Group
In this Group: Maricela De Los Ángeles, Frezia Virginia, Ifren Antonio
Frezia Group is made up of three hardworking and enterprising people. One of them is Maricela, 36. She is married and has two children, ages 8 and 6. She started her business two years ago when a friend made her a member of Avon. Gradually she has been improving and growing her business. Currently, in addition to selling Avon products, she has been selling clothing from the United States for six months.

The other members are Ifrén, 30, who has had a store for 10 years, and Frezia, 33, who has various businesses, from selling Avon, "atol" [corn-based beverage], and baked goods to helping her husband in his metal shop, a job she is learning.
View original language description ↓
El grupo Frezia lo conforman tres personas trabajadoras y emprendedoras una de ellas es Maricela de 36 años, casada y tiene dos hijos de 8 y 6 años de edad. Ella inicio su negocio hace dos años cuando una amiga la afilio a la Avon, poco a poco ha ido mejorando y creciendo su negocio. Actualmente además de vender productos Avon desde hace 6 meses comercializa ropa americana.
Los otros integrantes son Ifrén de 30 años desde hace 10 años que tiene una pulpería y Frezia de 33 años quien tiene varios negocios desde vender productos Avon, atol, cosa de horno y ayudar a su esposo en el taller metalúrgico actividad que está aprendiendo.

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Frezia Group's $550 loan helped a member to buy cosmetics and clothing.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 10, 2012
Jul 1, 2012
Currency Exchange Loss:
Sep 15, 2012