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Lluvia De Bendiciones Group
In this Group: Blanca Rosa, Tatiana , Miriam

Update on Lluvia De Bendiciones Group

This group was formed by three successful members. One of them is Blanca, who has had a grocery store in her home for five years. She started her business selling general merchandise and with her profits started acquiring grocery products until she was able to set up her store.

She's going to invest the loan in buying grocery products such as rice, beans, sugar, oil, laundry soap, bath soap, eggs, salt, beef, chicken, dairy products, etc.

Tatiana sells new and used clothing, and Miriam sells nacatamales on the weekend.
View original language description ↓
Grupo formado por tres socias de éxito una de ellas es Blanca quien tiene 5 años de tener una pulpería en su domicilio, inicia su negocio vendiendo mercadería en general y con sus ganancias fue adquiriendo productos de pulpería hasta lograr instalar su pulpería, el crédito lo invertirá en la compra de productos de pulperías como arroz, frijoles, azúcar, aceite, jabón de lavar ropa, jabón de baños, huevos, sal, carne de res, carne de pollo, productos lácteos etc. Tatiana vende ropa nueva y ropa usada, Miriam vende nacatamales los fines de semanas.

Previous Loan Details

The group Lluvia de Bendiciones [Rain of Blessings] is comprised of four workers and entrepreneurs, one of which is Blanca Rosa. She is married with two children but only one is under 18 year old and their studies depend on her. The business began 7 years ago with the sale of new and used clothin... More from Lluvia De Bendiciones 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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Lluvia De Bendiciones Group's $1,000 loan helped a member to buy products for her grocery store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Feb 1, 2013
Currency Exchange Loss:
Jul 17, 2013