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Chispa Adecuada Group
In this Group: Osmara Del Carmen, Olga Marina , Yessica De Los Angeles , Veronica Raquel
Four members make up this group. One of them is Osmara. She is 24 years old, single, and has been in the business of selling clothes and shoes for 11 years. Osmara has been a client of ADIM for one year. The loan she is requesting will be used to buy flat sandals, open-toe high heels, and girls' sandals.

Olga is 45 years old and has business of selling shoes. Verónica is 24 years old and has a business of selling bananas. Yessica is 20 years old and has a business of selling shoes.
View original language description ↓
Cuatro son las integrantes del grupo una de ellas es Osmara tiene 24 años, soltera, su negocio es la venta de ropa y zapatos desde hace 11 años. Tiene de ser cliente de la institución 1 año. El crédito lo solicita para la compra de sandalias bajas, altas, sandalias de niñas. Olga tiene 45 años su negocio es la venta de zapatos, Verónica tiene 24 años su negocio es la venta de plátanos, Yessica tiene 20 años su negocio es la venta de zapatos.

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
  • $26,293,200
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Chispa Adecuada Group's $2,925 loan helped a member to buy flat sandals, open-toe high heels, and girls' sandals.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 25, 2013
Dec 20, 2013
Currency Exchange Loss:
Aug 17, 2014