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Luz Y Esperanza Group
In this Group: Karla Melina , Bersabe Del Carmen , Elizabeth Del Rosario, Flor De Maria
A group composed of four entrepreneurial and successful partners, one of whom is Karla who is 24 years old, married, with two young children. Her business is the itinerant sale of cosmetics and clothes. She has been selling her products in her community and its surroundings for one year and a half. She is requesting this loan to buy footwear of different styles: closed, for adults, for children, sandals, etc.

The other members of the group are Bersabe, a 51-year-old woman whose business is the sale of clothes, mobile phone credit and ice; Elizabeth, a 38-year-old woman whose business is a small general store; and Flor de María, a 27-year-old woman whose business is a small general store.
View original language description ↓
Grupo formado por cuatro socias emprendedoras exitosas una de ellas es Karla tiene 24 años, casada, con dos hijos menores, su negocio es la venta de cosméticos y ropa ambulante, sus productos los ofrece en su comunidad y alrededores desde hace 1 año y medio. Está solicitando el crédito para la compra calzado de diferentes estilos cerrados, para adultos, niños, sandalias, etc. Bersabe mujer de 51 años su negocio es la venta de ropa, recarga y hielo, Elizabeth mujer de 38 años su negocio es una mini pulpería, Flor de María mujer de 27 su negocio es una mini pulpería.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Y Esperanza Group's $775 loan helped a member to buy footwear of different styles: closed, for adults, for children, sandals, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 15, 2013
Nov 17, 2013
Currency Exchange Loss:
Mar 17, 2014