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Panama Group
In this Group: Linda, Melba, Adriana
The Panamá group is comprised of three hard-working entrepreneurs, one of whom is Malva, the owner of a pharmacy. The business is 18 years old although she acquired it four years ago when the previous owner died. It is worth mentioning that she used to work at the pharmacy.

The loan will be used to buy medical products.

The other members of the group are Adriana, who has been selling clothing and shoes for three years, and Linda Ruth, who sells jewelry and handicrafts in Masaya and has been in business for four years.
View original language description ↓
El grupo Panamá lo conforman tres personas trabajadoras y emprendedoras una de ellas es Malva quien es propietaria de una farmacia. Este negocio tiene 18 años pero ella lo adquirió hace 4 años ya que cuando murió la dueña ella lo adquirió. Cabe mencionar que ella trabajaba en dicho negocio.

El crédito lo invertirá en productos médicos.
Las otras integrantes son Adriana quien vende ropa y zapatos desde hace 3 años y Linda Ruth quien vende bisutería y artesanías en Masaya desde hace 4 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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Panama Group's $1,850 loan helped a member to buy medical products.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Sep 17, 2012
Currency Exchange Loss:
May 17, 2013