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Yurina Group
In this Group: Estela Del Socorro, Francis Yurina , Juan Francisco, Zorayda Angelica

Update on Yurina Group

Francis is one of the four members that make up this group. She is 23 years old, married, and has three children, ages 11, 3, and 2. She has been selling clothing and cosmetics for three years and has been a client of the institution for one year. She is asking for a loan to buy gold and silver plated accessories.

Juan is 55 years old and he has a general store and a taxi.

Estela is 47 years old and sells various types of merchandise.

Sorayda is 33 years old and sells various types of products.
View original language description ↓
Francis es una de los cuatro socios que conforman el grupo tiene la edad de 23 años, casada, con dos hijos de 11,3,2 años, su negocio es la venta de ropa y cosméticos desde hace 3 años, tiene de ser cliente de la institución 1 años. El crédito lo solicita para la compra de prendas laminadas bañadas en oro y plata. Juan tiene 55 años su negocio es una pulpería y un taxi, Estela mujer de 47 años su negocio es la venta de productos varios, Sorayda mujer de 33 años su negocio es la venta de productos varios.

Previous Loan Details

This group is made up of three entrepreneurial members. One is Francis. She is married, 23 years old, and has children ages 2, 11, and 3. Her business is sales of new clothing and Avon cosmetics. She has had the business for 3 years. She previously worked in the free trade zone as a laborer.... More from Yurina 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
  • 83
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Yurina Group's $1,450 loan helped a member to buy accessories.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 22, 2013
Dec 20, 2013
Currency Exchange Loss:
Jun 17, 2014