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Alfa Y Omega Group
In this Group: Liliam , María , Angela
Alfa y Omega Group is made up of three hardworking and enterprising people. One of them is María Alcadía, who makes tortillas and has sold "nacatamales" [Nicaraguan tamales] for 16 years.

The other members are Liliam, who works as a housekeeper and sells cosmetics, and Ángela, who has sold scrap metal, iron, and copper for 20 years.
View original language description ↓
El grupo Alfa y Omega lo conforman tres personas trabajadoras y emprendedoras una de ellas es María Alcadía quien tiene una tortillería y vende nacatamales desde hace 16 años. El crédito lo invertirá en maíz, frijoles, cerdo, especies y leña.
Las otras integrantes son Liliam quien trabaja como doméstica y vende cosméticos y Ángela vende chatarra, hierro y cobre desde hace 20 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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A portion of Alfa Y Omega Group's $1,550 loan helped a member to buy corn, beans, pork, spices, and firewood.
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 7, 2012
Currency Exchange Loss:
Jul 7, 2012