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Venceremos Group
In this Group: Erika Senovia, Digna Veronica, Maricela Del Carmen
The members form a united group of three enterprising and successful women.

One of them is Ericka, 27, who is married with three children aged 8, 7 and 4. Her business is selling clothes, perfume and cosmetics from Vogue and Zermat. She has been running this business for 5 years. She has been a customer of the institution for three years and has shown responsibility in her payments. She will invest the loan in purchasing clothes like men's and women's trousers and shirts, blouses, skirts and cosmetics like cologne, perfume, lotions, eyeliners, mascaras, nail varnish, lipstick, shampoo, hair dye, hand, foot and face creams and body lotions etc.

Maricela, 29, has a business selling sandals and various cosmetics and Digna, 48, has a business selling food from her home.
View original language description ↓
Socias que forman un grupo solidario de tres socias emprendedoras, de éxito, una de ellas es Ericka tiene 27 años de edad, casada con tres niños de 8,7,y 4 años de edad menores, su negocio es la venta de ropa, perfumen, cosméticos de la Vogue, Zermat y esta actividad tiene cinco años de tener su negocio. De ser cliente de la institución tiene tres años consecutivos lo que demuestra responsabilidad en sus pagos, el crédito lo invertirá en la compra ropa como pantalón de varón, pantalón
de mujer, camisas de varón, camisolas de damas, blusas, faldas de mujer, cosméticos como perfumen de varón, perfumen de damas, lociones, delineadores, máscaras, pinturas de uñas, pinturas de labios, champo, tintes para cabellos, cremas para manos, cremas para cuerpos, cremas para pies, cremas faciales, cremas para todo el cuerpo, etc. Maricela tiene 29 años de edad y su negocio es la venta de sandalias y cosméticos variados y Digna tiene 48 años de edad y su negocio es la venta de comida 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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Venceremos Group's $1,200 loan helped a member to buy new clothes like trousers and shirts for men and women, skirts and blouses and cosmetics like cologne and perfume, lotions, eyeliner, mascara, nail polish, lipstick, shampoo, hair dye, hand and foot cream and body lotion etc,.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 10, 2013
Currency Exchange Loss:
Dec 20, 2013