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Teresa De Jesús

Update on Teresa De Jesús

Teresa, 39, has a spouse and two children who are 18 and 15 years old. Her business for the last 18 years has been a beauty salon. She has an employee that helps her tend to customers. She’s been a client of the institution for five years. She needs the loan to buy beauty products like Keratina [hair-care product], dye, acrylic fingernails, vitamins, professional make-up, etc.
View original language description ↓
Teresa es una mujer de 39 años de edad, acompañada, con dos hijos de 18 y 15 años, su negocio es un salón de belleza desde hace 18 años, tiene una trabajadora particular que le ayuda a atender a los clientes, tiene 5 años de ser cliente de la institución. El crédito lo requiere para la compra de productos de belleza como keratina, tintes, uñas acrílicas, vitaminas, maquillaje profesional, etc.

Previous Loan Details

Teresa de Jesús is a hard working and entrepreneurial woman who has run her own beauty salon for 16 years, and with the profits she made over the last 2 years she invested in a clothing business. She will invest this loan in the purchase of merchandise such as blouses, pants, size dividers, shirt... More from Teresa De Jesús'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.


About Nicaragua

  • $4,800
    Average annual income
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,200 helped Teresa De Jesús to buy beauty products.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 27, 2013
Currency Exchange Loss:
Oct 27, 2013