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Rosa Del Carmen's Group
In this Group: Rosa Del Carmen , Maria Auxiliadora, Alba Luz
The micro-entrepreneur group is made up of three members. One of them is María Auxiliadora, 45. She's married and has had a business selling food and soda for more than 10 years. She sells in a tourist area near her town. She has two well-known workers from the area.

She's going to invest the loan in buying staples such as rice, beans, sugar, oil, beef, chicken, vegetables, firewood, etc.

Alba Luz, 46, who has a craft workshop, will invest the loan in clay and firewood. Rosa del Carmen sells "nacatamales" [Nicaraguan tamales] in her home on the weekend.
View original language description ↓
La Microempresaria formado por tres socias una de ellas es Maria Auxiladora de éxito de 45 años casada con más de 10 años de tener su negocio como es venta de comidas, gaseosas los cuales los comercializa en un centro turístico cercano en su localidad cuenta con dos trabajadoras conocidas del lugar y el crédito lo invertirá en la compra de granos básicos como arroz, frijoles, azúcar, aceite, carne de res, carne de pollo, verduras, leñas etc. Alba Luz de 46 años tiene un taller de artesanía invertirá el crédito en la compra de barro y leñas, y Rosa del Carmen vende nacatamales los fines de semana en su domicilio.

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
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Rosa Del Carmen's Group's $925 loan helped a member to buy rice, beans, sugar, oil, beef, chicken, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Nov 1, 2012
Currency Exchange Loss:
Mar 15, 2013