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Esfuerzo Tenaz Group
In this Group: Angela Del Socorro, Jenny Del Carmen, Gerald Antonio
This group is made up of three entrepreneurial members. One of them is Jenny del Carmen, a 34 year-old woman with three children. She is a small business owner who earns a living selling food and natural beverages in a kiosk near her home that caters to school children. She has had the business for eight years. Her children help her mind the business. The loan will be invested in the purchase of basic grains such as rice, beans, sugar, oil, chicken, beef, and soft drinks among other things related to her activities. Angela del Socorro sells dairy products, wholesale and retail in the local community market. Gerald has a small grocery store in his home.
View original language description ↓
Grupo formado por tres socios emprendedores uno de ellos es,
Jenny del Carmen mujer de 34 años con tres hijos es una microempresaria que se dedica a la venta de comida, refrescos naturales en un kiosco escolar cercano a su domicilio, tiene 8 años de tener el negocio, sus hijos le ayudan en la atención del negocio , el crédito lo invertirá en la compra de granos básicos como arroz, frijoles, azúcar, aceite, carne de pollo, carne de res, gaseosas entre otras cosas relacionado con su actividad, Angela del Socorro vende productos lácteos al por mayor y al detalle en un mercado local de su comunidad y Gerald tiene una pulpería 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
  • 31
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Esfuerzo Tenaz Group's $1,075 loan helped a member to buy grains such as rice, beans, sugar, beef, chicken, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Dec 1, 2012
Currency Exchange Loss:
May 17, 2013