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La Estrella Y El Lucero Group
In this Group: Mariela Del Socorro, Tania Maria , Ericka Macier

Update on La Estrella Y El Lucero Group

This group consists of three successful entrepreneurial members. One of them is Mariela. She is 24 years old and has a partner and one child under her care. She has made a living selling used clothes and footwear for the past three and a half years. She is requesting this loan in order to buy clothing merchandise such as trousers, blouses, children's clothes, shirts and children's footwear.

The other members are Tania, who is 27 years old and makes a living selling soup and Erika, who is 25 years old and makes a living selling cosmetics and both new and used clothes.
View original language description ↓
Grupo formado por tres socias microempresarias exitosas una de ellas es Mariela tiene la edad de 24 años, acompañada, con un hijo menor bajo su cargo, su negocio es la venta de ropa usada y calzado desde hace 3 años y medio. El crédito lo está solicitando para la compra de mercadería como pantalones, blusas, ropa de niños, camisetas, calzado de niños. Tania tiene 27 años su negocio es la venta de sopa y Erika tiene 25 años su negocio es la venta de cosmeticos, ropa nueva y usada.

Previous Loan Details

This group is made up of thre members. One of them is Mariela. She is 24, married, and has a 10 month old son. Her business has been selling used clothes as a street vendor for 3 years. She is asking for the loan to buy used clothes by the dozen, such as men's women's and children's pants, skirts... More from La Estrella Y El Lucero 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
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of La Estrella Y El Lucero Group's $950 loan helped a member to buy clothing merchandise such as trousers, blouses, children's clothes, shirts and children's footwear.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 22, 2013
Dec 20, 2013
Currency Exchange Loss:
Jul 17, 2014