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Silma Lorena
Silma is a hardworking, enterprising woman who has a beauty salon she started 15 years ago with a plastic chair, a lion’s claw-style mirror and a cheap scissors. Thanks to her hard work and loans she’s managed to improve the business. She now does hair treatments, attaches acrylic nails, does make-up and hair styling. She’s also invested in beauty products to sell.

She will use the loan to buy products for Mother’s Day, especially dyes, straighteners, treatments and orders she has pending for Mother’s Day. She has three children two of which are minors; they are 13 and 11 years of age.
View original language description ↓
La señora Silma es una mujer trabajadora y emprendedora quien tiene una sala de belleza la cual inicio hace 15 años con una silla plástica, un espejo de pata de león y una tijera de barata. Actualmente gracias a su ardua labor y los créditos ha mejorado el negocio con tratamientos, pone uñas acrílicas, maquillaje y peinados. Además ha invertido en productos de belleza para vender.
El crédito lo invertirá en productos para el día de las madres principalmente tintes, alisados, tratamientos y encargos que tiene para el día de las madres. Ella tiene tres hijos de los cuales dos son menores de edad de 13 y 11 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.

About Nicaragua

  • $4,800
    Average annual income
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $700 helped Silma Lorena to buy supplies for her beauty salon.
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 29, 2012
Jul 3, 2012
Currency Exchange Loss:
Aug 2, 2012