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Los Tres Pinos Group
In this Group: Margarita , María, Pedro

Update on Los Tres Pinos Group

This group is made up of three people who are microentrepeneurs like Margarita who has worked for over ten years buying and selling seasonal crops like avocadoes, tamarinds, lemons, limes, etc. She has worked with the institution for 8 years. Margarita is married and has two children who help her with the business. The loan will be used to buy tamarinds, limes, sugar canes, etc. María del Carmen is another member who has a grocery store in her home and Pedro José sells clothing door to door.
View original language description ↓
Este grupo lo conforman tres personas microempresaria como Margarita quien se dedica hace diez años a la compra y venta de cosechas de temporadas como cosechas de aguacate, cosecha de tamarindo, cosechas de limón, cosechas de limón dulce etc. Tiene de estar trabajando con la institución 8 años de ser cliente es casada y tiene dos hijos quienes le ayudan en el negocio. El crédito lo invertirá en la compra de cosechas de tamarindo, cosechas de limón dulce, cañas de azúcar etc. María del Carmen es otra socia que tiene una pulpería en su domicilio y Pedro José vende ropa ambulante.

Previous Loan Details

The loan group Los Tres Pinos is comprised of three hardworking and enterprising people. One of them is 47 year old Margarita. She is married and has 7 children but only the two youngest (who are 20 and 15) live at home. She works growing and selling mangoes, tamarind, and pumpkin. With a previou... More from Los Tres Pinos Group'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.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,550
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Tres Pinos Group's $1,425 loan helped a member buy tamarinds, lemons, limes, sugar canes, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Jan 1, 2013
Currency Exchange Loss:
May 17, 2013
This photo was used before for a previous loan for Los Tres Pinos Group. It was first posted on Kiva on Jul, 2012. Learn More