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Ideal Group
In this Group: Thelma Rafaela, Irene Del Carmen, Tania

Update on Ideal Group

The group is comprised of three women entrepreneurs, one of whom is Telma, 66, who is married and has two children, ages 23 and 20, in her care. She sells a variety of fruits and vegetables and has been in business for 30 years, working at the market. She is requesting a loan to buy chayotes, pumpkins, carrots, beets, potatoes, oranges, bananas, melons, etc.

The other members of the group are Tania, 24, who sells regional clothing, and Irene, 42, who has a sewing business.
View original language description ↓
Grupo formado por tres mujeres emprendedoras una de ellas es Telma tiene 66 años de edad, casada, con dos hijos bajo su cargo de 23 y 20 años de edad. Se dedica al negocio de vender frutas y verduras variadas desde hace 30 años. Sus productos los comercializa en el mercado. El crédito que solicita es para la compra de chayote, ayote, zanahoria, remolacha, papa, naranja, banano, melón, etc. Tania mujer de 24 años de edad, su negocio es la venta de ropa típica y Irene mujer de 42 años su negocio taller de costura.

Previous Loan Details

This group is composed of three successful small business owners, one of whom is Tania. She is a woman of 23 years who makes traditional clothes in her home that she sells in the market in Masaya. She has been with the institution for 7 consecutive years. The loan will be used to invest in raw ma... More from Ideal 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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Ideal Group's $575 loan helped a member to buy chayotes, pumpkins, carrots, beets, potatoes, oranges, bananas, melons, etc.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 14, 2013
Jul 17, 2013
Currency Exchange Loss:
Jan 18, 2014