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Moises Group
In this Group: Maria Teresa , Gabriela Guadalupe, Johana Del Socorro

Update on Moises Group

This group has three members, one of whom is 36-year-old María. She has a partner and four children, aged fourteen, eleven, eight and four years old. She has a business selling food from her home and sells stationery products. María has been with the communal bank for a year and she manages her business with the help of her eldest daughter. María will use this loan to buy stationery products, such as reams of paper, different folders, staples, envelopes, markers and highlighters of different colours, and more. In addition, María has a shared-business, offering photocopying services from her home. Gabriela is 27 years old and has a business selling new clothes while thirty-three year old Johana has grocery store that she runs out of her home.
View original language description ↓
Grupo formado por tres socias una de ellas es María mujer de 36 años de edad, acompañada, con cuatro hijos, 11, 8, 4 y 14 años de edad, su negocio es la venta de comida en su domicilio, vende papelería para cybers y artículos de librerías, de estar en la institución tiene 1 año, su hija mayor y la cliente se encargan de administrar el negocio , el crédito lo invertirá en la compra de resma de papel, folders tamaño carta, folders tamaño legal, grapa, selladores, sobres de manilas, marcadores de diferentes colores, resaltadores de diferentes colores, además tiene un negocio colateral que es de bridar servicio de fotocopia en su domicilio. Gabriela tiene 27 años de edad y su negocio es la venta de ropa nueva y Johana tiene 33 años su negocio es una pulpería en su domicilio.

Previous Loan Details

Gabriela says that she started her business three years ago by purchasing individual articles of used clothing at the market. Now her greatest wish is to buy bales of used clothing. Her loan will be invested in the purchase of a bale of used clothing. The other members are as follows: • Ye... More from Moises Group'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.

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
  • 58
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Moises Group's $1,525 loan helped a member to buy stationery products, such as reams of paper, different folders, staples, envelopes, markers and highlighters of different colours, and more.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 8, 2013
Currency Exchange Loss:
Dec 20, 2013