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Tamara Group
In this Group: Maria Francisca, Josefa Mercedes, Julia Marcelina
Tamara Group is made up of three enterprising members. One of the members is Josefa, who is 31 years old, married, and has an 8 year old son. She has worked for three years selling ice, ice creams, and used clothing from her home. Previously, she was a housewife. This work helps her earn income to support her family.

She is requesting this loan to purchase different types of used clothing in good condition. Her dream is to purchase clothing in bales and sell it wholesale.

Julia is 64 years old and sells food such as soups, vaho, and nactamales on the weekends. Maria Francisca sells fried foods every day from her home.
View original language description ↓
Grupo formado por tres socias emprendedoras una de ellas es Josefa quien tiene 31 años de edad, es casada, con un hijo menor de 8 años y se dedica desde hace tres años la venta de hielo, helados, ropa usada en su domicilio, anteriormente se dedicaba como ama de casa, eso le ayudo a aportar en la economía familiar para el sustento de su familia. El crédito lo invertirá en la compra de ropa usada variada y de muy buena categoría, su sueño es comprar la ropa por paca y vende al por mayor, Julia tiene 64 años de edad y vende comida como sopas, vaho, nacatamales los fines de semanas y María Francisca vende fritanga todos los días en su domicilio.

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
  • 43
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Tamara Group's $1,525 loan helped a member to purchase different types of men's and women's clothing such as pants, shirts, blouses, and skirts.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 22, 2013
Apr 1, 2013
Currency Exchange Loss:
Nov 17, 2013