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Armonia Group
In this Group: Ana Luisa , Juan Francisco, Arlen Maria
This group is made up of three enterprising individuals. One of these is Arlen, who has sold fizzy drinks and natural soft drinks for the past four years.

Arlen began selling these products in her home in small quantities, and used her earnings to buy more products until the amount she has today. She will invest the loan in buying wholesale fizzy drinks.

Ana Luisa will invest in the sale of vegetables and Juan will invest in the sale of corn-based products such as the traditional cornmeal and cacao drinks pinol, pinollilo, atol de elote, pozol etc.
View original language description ↓
Grupo formado por tres socios emprendedores una de ella es Arlen que vende gaseosas, refrescos naturales desde hace 4 años, inicio vendiendo el producto en su domicilio en menor escalas y con las utilidades fue aumentando sus productos hasta lograr lo que tiene actualmente. Arlen, lo invertirá el crédito en la compra de gaseosas al por mayor. Ana Luisa lo invertira en la vende de verduras y Juan lo invertira en la vende productos derivados del maíz como el pinol, pinolillo, atol de elote, pozol 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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 24.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Armonia Group's $1,500 loan helped a member to buy a variety of wholesale fizzy drinks.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 11, 2013
Mar 1, 2013
Currency Exchange Loss:
Sep 27, 2013