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Sorpresa Group
In this Group: Carlos José, Xochilt Verónica, Louis Margarita

Update on Sorpresa Group

This group consists of three hardworking members. One of them is Louis. She is 23 years old, single, and has two dependents. Her business is a grocery store that is located in her home. She has managed this business for 10 years and has been a client of ADIM for four years. Her mother helps her with managing the business. The loan she is requesting will be used to buy rice, sugar, oil, soap, toilet paper, sodas, cigarettes, snack foods, and other items.

Xóchitl is 39 years old and also has a grocery store. Carlos is 48 years old and has a business selling products made from corn.
View original language description ↓
Grupo formado por tres socios trabajadores uno de ellos es Louis tiene la edad de 23 años, soltera, dependen de ella dos personas, su negocio es una pulpería ubicada en su domicilio desde hace 10 años, lleva de ser cliente de la institución 4 años, su mama le ayuda a atender el negocio. El crédito lo solicita para la compra de arroz, azúcar, aceite, jabón, papel higiénico, gaseosas, cigarros, meneítos, otros. Xóchitl tiene 39 años su negocio es una pulpería y Carlos tiene 48 años se dedica al negocio de la venta del derivado de maíz.

Previous Loan Details

The group "Sorpresa" ("Surprise") is made up of three hardworking and enterprising people. One of them is Luis, who has had a grocery store for 12 years. He will invest the loan in buying merchandise, principally staple grains, dairy products, personal care products, and toiletries. The other gro... More from Sorpresa 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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Sorpresa Group's $2,225 loan helped a member to buy rice, sugar, oil, soap, toilet paper, sodas, cigarettes, snack foods, and other items.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 25, 2013
Dec 20, 2013
Currency Exchange Loss:
Aug 17, 2014