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Lluvia De Bendiciones Group
In this Group: Blanca Rosa, Tatiana , Maria Mercedes, Miriam
The group Lluvia de Bendiciones [Rain of Blessings] is comprised of four workers and entrepreneurs, one of which is Blanca Rosa. She is married with two children but only one is under 18 year old and their studies depend on her. The business began 7 years ago with the sale of new and used clothing. Later, with the earnings, she opened a convenience store.

The other members are María Mercedes who has been selling natural products for the last 27 years, Miriam who has been selling Nicaraguan tamales for five years and beer for two years; and Tatiana who sells clothing with her husband who has a carpenter's workshop.
View original language description ↓
El grupo lluvia de bendiciones lo conforman cuatro personas trabajadoras y emprendedoras una de ellas es Blanca Rosa quien es casada tiene dos hijos pero solo el menor de 18 años de edad el cual estudia depende ella. El negocio lo inicio hace 7 años con el comercio de ropa nueva y usada luego con las ganancias instalo una pequeña pulpería.
Los otros integrantes son María Mercedes quien vende productos naturales desde hace 27 años, Miriam quien vende nacatamales desde hace 5 años y cervezas hace 2 años, y Tatiana quien vende ropa y con su marido tiene una carpintería.

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
  • 44
    View loans »
    Nicaragua Loans Fundraising
  • $26,251,375
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Lluvia De Bendiciones Group's $1,025 loan helped a member to buy basic grains, vegetables and meat.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
May 23, 2012
Jul 1, 2012
Currency Exchange Loss:
Jan 19, 2013