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Tercer Cielo Group
In this Group: Patricia De Los Angeles, Silvia De Los Angeles, Guissell Nohemi
This group was successfully formed by three enterprising partners, one of whom is Patricia. Her business is to provide services as a home stylist, which has has been performing for the past 20 years. She is a married woman with four older children. She will invest the loan in the purchase of materials and supplies like like dyes, perms, lipstick, nail polish, shampoo, and materials for occasional reposition like cotton, acetone, hair clasps, etc. Silvia sells new clothes and Guisell sells chicken, soft drinks, etc.
View original language description ↓
Grupo formado por tres socias emprendedoras de éxito una de ellas es Patricia su negocio es brindar servicios de estilismo a domicilio, actividad que viene realizando desde 20 años. Es una mujer casada con cuatro hijos mayores. El crédito lo invertirá en la compra de materiales e insumos como tintes, permanentes, pinturas de labios, pinturas de uñas, permanentes, champo, materiales de reposición periódica como algodón, cetona trabas etc. Silvia vende ropa nueva y Guisell vende pollo, gaseosas etc.

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
  • 85
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Tercer Cielo Group's $625 loan helped a member to buy supplies like dyes, perms, lipstick, nail polish, shampoo, and materials for occasional reposition like cotton, acetone, hair clasps, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Feb 1, 2013
Currency Exchange Loss:
Jun 17, 2013