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Update on Emiliana

47-year-old Emiliana lives with her partner and can be described as a successful micro-businesswoman. She says that she has been selling silver jewelry and costume jewelry for 12 years. Her business is located in Granada market. She has been taking out loans with the institution for three consecutive years and will invest her current loan in buying silver jewelry such as rings, earrings, bracelets, chains, charms, etc.
View original language description ↓
Microempresaria de éxitos así se le denomina a Emiliana quien tiene 47 años, acompañada quien dice que hace 12 años se dedica a vender prendas de plata y bisuterías, su negocio lo tiene ubicado en el mercado de Granada. Con la institución tiene tres años consecutivos en los préstamos, el crédito lo invertirá en la compra de prendas de plata como anillos, aretes, pulseras, cadenas, dijes etc.

Previous Loan Details

Emiliana Erina is an entrepreneurial and hard-working woman that has sold trout and dry grains for 12 years. Her business began with lots of challenges and little by little things improved, which helped her family get ahead. She is married and has three adult children. Her dream is to be abl... More from Emiliana's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Emiliana to buy gold and silver jewelry such as rings, earrings, bracelets, chains, charms, etc.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Jan 1, 2013
Currency Exchange Loss:
Jun 17, 2013