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Lucesita Group
In this Group: Aminta Del Carmen, Ericka Del Carmen, Maricela Del Carmen, Virginia Del Carmen
This communal bank is made up of 4 members. One of these is Aminta, a single, 48 year-old woman, who has a minor child who goes with her to buy and sell her products. She's been selling leather shoes in Masaya for 4 years. She will invest this loan in the purchase of shoes at wholesale. Maricela, 36, sells fried foods and drinks from her home, Virginia sells Zelsa brand products (cosmetics) and Zafiro brand garments, and Ericka sells cosmetics, makeup, creams and shampoo.
View original language description ↓
Grupo formado por cuatros socias una de ellas es Aminta mujer soltera de 48 años con un hijo menor que le acompaña en la compra y comercialización del producto, vende zapatos de cueros hechos en Masaya desde hace 4 años el crédito lo invertirá en la compra de zapatos al por mayor, Maricela de 36 años vende fritanga, refresco en su domicilio, Virginia vende productos de lo Zelsa y prendas de Zafiro, Ericka vende cosméticos, maquillajes, cremas y shampoo.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Lucesita Group's $800 loan helped a member to buy leather shoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Nov 19, 2012
Currency Exchange Loss:
Mar 15, 2013