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Estrella Del Norte Group
In this Group: Angela Del Carmen , Angela Del Carmen , Ana Eduvige, Lili Sandre , Judith Paola
This group is made up of five enterprising members, one of whom is Angela, a 26-year-old woman who is married with a two-year-old child. She sells new clothing, women's shoes, Zermat cosmetics, and Romanel products. She has had this business for seven years. Before that, she was a housewife. She has been with the institution for four years, and has demonstrated responsibility in her repayments. She will invest this loan in the purchase of clothing for adults, such as men's and women's pants and shirts; as well as jewelry such as chains, bracelets, rings, and anklets; women's shoes; and other items.
Her previous loan allowed her to buy more and varied products such as garments and cosmetics.
Ana is 35 and sells women's clothing and shoes. Angela is 47 and sells clothing and shoes. Lili is 33 and also sells clothing and shoes. Judith is 21 and has a general store in her home.
View original language description ↓
Este grupo está formado por cinco socias emprendedoras una de ellas es Angela mujer de 26 años de edad, casada, con un hijo de dos años, su negocio es la venta ropa nueva, zapatos de damas, cosméticos de la Zermat y prendas romanel, tiene 7 años de dedicarse a esa actividad anteriormente era ama de casa, de estar con la institución tiene cuatro años que a demostrado responsabilidad en sus pagos el crédito lo invertirá en la compra de ropa de adulto como pantalón de varón, pantalón de mujer, camisas de hombre, blusas de dama, prendas como cadenas, pulseras, anillos, pulseras de pies, zapatos de damas, etc. el crédito anterior le permitió comprar más productos variados como las prendas y los cosméticos. Ana tiene 35 años su negocio es la venta de ropa de mujer, zapatos de damas, Angela tiene 47 años su negocio es venta de ropa y zapatos, Lili tiene 33 años su negocio también es la venta de ropa y zapatos y Judith tiene 21 años su negocio es tener una pulpería 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
  • 40
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Estrella Del Norte Group's $3,375 loan helped a member to purchase clothing such as men's and women's pants, men's and women's shirts; gold jewelry like chains, bracelets, rings, and anklets; women's shoes; etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 29, 2013
May 18, 2013
Currency Exchange Loss:
Nov 17, 2013