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Justa Del Carmen

Update on Justa Del Carmen

Justa del Carmen is a 40-year-old, small-businesswoman who lives with her partner. She has worked for three years purchasing tamarind crops.
She has been a lender with the field partner for two years.
She gathers the tamarind pods in rural areas and then sells them in different markets of the capital. She will invest her loan money in the purchase of five units of tamarind pods. She will later remove the shells before selling them by the quintal.
View original language description ↓
Doña Justa es una mujer microempresaria tiene 40 años de edad, acompañada, desde hace tres años se dedica a la compra de cosechas de tamarindo, tiene de ser cliente con la institución dos años, el producto lo acopia en las comarcas para luego comercializarlos en los diferentes mercados de la capital, el crédito lo invertirá en la compra de cinco palos de tamarindo, para luego quitarle la cascara para después comercializarlos por quintal.

Previous Loan Details

Justa del Carmen is a successful small businesswoman who has been working buying tamarind crops and selling them in Honduras for several years. She will invest the loan in the purchase of three sticks of tamarind so that she can later sell them and expand her business. More from Justa Del Carmen'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.

About Nicaragua

  • $4,800
    Average annual income
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Justa Del Carmen to purchase five units of tamarind pods.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 23, 2013
Apr 22, 2013
Currency Exchange Loss:
Nov 17, 2013
This photo was used before for a previous loan for Justa Del Carmen. It was first posted on Kiva on Oct, 2012. Learn More