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Alfa Y Omega Group
In this Group: Maria Alcadia, Liliam De Los Reyes , Angela Del Carmen
This group's three members are all successful entrepreneurs. One of them is 50-year-old María who is married and has two adult children. Her business is making and selling tortillas, baked beans and tamales. She has been in this business for the past 16 years and has been a client of the institution for 5 years. She will invest her loan in buying corn, lime, firewood and raw beans, and supplies for making tamales such as corn, pork, banana leaves, twine, sweet peppers, onions, tomatoes, herbs, butter, salt, annatto etc.

Liliam is 44 years old and her business is selling cosmetics and used clothing. Angela is 58 years old and her business is selling scrap metal.
View original language description ↓
Grupo formado por tres socias emprendedoras de éxito una de ellas es María mujer de 50 años de edad, casada, con dos hijos ya mayores, su negocio es la hecha y venta de tortillas frijoles cocidos y nacatamales, esta actividad la viene realizando desde hace 16 años consecutivos y cinco años de ser cliente de la institución, el crédito lo invertirá en la compra de maíz, cal, leñas, frijoles crudos, materia prima para nacatamal como maíz, carne de cerdo, hoja de chagüites, mecates, chiltoma, cebolla, tomate, hierva buena, manteca, sal, achiote, etc. Liliam tiene 44 años de edad y su negocio es la venta de cosméticos y ropa usada y Angela tiene 58 años de edad y su negocio es la venta de chatarra.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Alfa Y Omega Group's $2,075 loan helped a member to invest in buying corn, lime, firewood, raw beans and supplies for making tamales such as corn, pork, banana leaves, sweet peppers, twine, onions, tomatoes, herbs, butter, salt, annatto etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 15, 2013
Jun 6, 2013
Currency Exchange Loss:
Dec 20, 2013