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Zafiro Group
In this Group: Margarita De Los Angeles, Francis Ileana, Thelma Rosa, Juana Maria
This group was formed by three successful ladies. Margarita is one of them and she has been selling clothing and Avon cosmetics on foot for six years. She takes orders and sells on credit. She will use the money from this loan to buy clothing and Avon cosmetics such as body creams, hand creams, ladies’ and men’s perfumes, lotions, etc. Francis also sells new clothing and Thelma sells fruits and vegetables on foot.
View original language description ↓
Es un grupo formado por tres socias emprendedoras de éxito una de ellas es Margarita hace seis años vende ropa, cosméticos variados de la Avon de manera ambulante y por encargo y al crédito, el crédito lo invertirá en la compra de ropa variada y cosméticos de la Avon como crema para cuerpos, crema para manos, perfumen de varón y de dama, lociones, etc. Francis vende ropa nueva también y Thelma vende frutas y verduras ambulantes.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Zafiro Group's $800 loan helped a member to buy merchandise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Mar 1, 2013
Currency Exchange Loss:
Jun 17, 2013