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Esfuerzate Y Se Valiente Group
In this Group: Adelyda , Yamileth De Los Angeles, Cristhian Maria
This is a group of three entrepreneurs. One of them is Adelaida who has had a grocery store for 35 years. She’s a single mother and is 63-years-old. She currently has a second occupation which is selling Avon products that makes it possible for her to improve her income. She will use the loan to buy Avon products like perfume, body and hand creams, cologne, shampoo and also to buy stock merchandise for the grocery store like rice, oil, beans, sugar, popular medicines and others.

Yamileth sells soup, enchiladas and tacos on weekends and Christian sells used clothes.
View original language description ↓
Grupo formado por tres socias emprendedoras una de ellas es Adelaida quien tiene una pulpería desde hace 35 años es madre soltera y tiene 63 años de edad, actualmente cuenta con otra actividad como es la comercialización de cosméticos de la Avon que le permite mejorar sus ingresos, el crédito lo invertirá en la compra de cosméticos Avon como perfumen, crema para cuerpo y manos, colonias, champo y productos de pulperías como granos básicos arroz, aceite, frijoles, azúcar, medicamentos populares entre otros, Yamileth vende sopas los fines de semanas, enchiladas, tacos y Christian vende ropa usada.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Esfuerzate Y Se Valiente Group's $850 loan helped a member to buy basic staples for her grocery store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 29, 2012
Dec 1, 2012
Currency Exchange Loss:
May 17, 2013