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O. Maria Group
In this Group: Reyna Josefina, Olga Del Carmen , Liliam Yolanda, Pedro Vidal
This group has four entrepreneurs as members. One of them is Reyna, 40, who sells natural beverages, ice and frozen treats from home.

She’s been doing this for 8 years consecutively in her community and she’s well-known because of the product she sells. She has two children who help her out with the business in their spare time. She will use the loan to buy raw materials like natural fruit like oranges, guava, melon, papaya, sugar, bags, salt, raspberries, peanuts, milk, firewood, cinnamon, etc.

Olga, 53, sells stationery supplies and novelties, Liliam, 53, sells clothes and firewood at home and Pedro, 53, has a shoe repair shop.
View original language description ↓
Grupo formado por cuatro socios emprendedores una de ellas es Reyna mujer de 40 años de edad, su negocio es la venta de refrescos naturales, hielo, helados en su domicilio dicha actividad la viene realizando desde hace 8 años consecutivos en su comunidad es reconocida por su producto que vende, tiene dos hijos que le apoyan en sus ratos libres en el negocio, el crédito lo invertirá en la compra de materia prima como frutas naturales como naranjas, guayaba de fresco, melón, papaya, azúcar, bolsa, sal, frambuesa, maní, leche, leña, canela, etc., Olga tiene 53 años de edad y su negocio es productos de librerías y variedades, Liliam tiene 53 años su negocio es la venta de ropa y leña en su domicilio y Pedro es un hombre que tiene 53 años de edad y su negocio es taller de zapateria

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of O. Maria Group's $825 loan helped a member to buy fruit, cinnamon, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 26, 2013
May 22, 2013
Currency Exchange Loss:
Oct 17, 2013