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Divino Rostro Group
In this Group: Juana Mercedes, María Auxiliadora, Nora Elizabeth , Irene Marbeli

Update on Divino Rostro Group

This group is made up of four enterprising and hardworking ladies. Juana is 60 years old, single, and has a son under her care. She has had a general store in her home for five years and has been with the institution for four years. She is asking for this loan to buy basic grains such as rice, sugar, cooking oil, boxes of instance soup, cream, oatmeal, and cases of soft drinks. Maria is 55 years old and sells corn products such as pinol, pinolillo, cakes, donuts, and gourd seed. Norma is 35 years old and sells butane gas. Irene is 34 years old and sells cereals and sweets in Managua and Masaya.
View original language description ↓
Este grupo lo forman cuatro socias emprendedoras y luchadoras una de ellas es Juana mujer de 60 años, soltera, con un hijo bajo su cargo, su negocio es una pulpería en su domicilio desde hace 5 años, tiene de ser cliente de la institución 4 años. Su crédito lo está solicitando para la compra de inventario de granos básicos como quintal de arroz, azúcar, bidón de aceite, cajas de sopa magi, jabón extra, crema la perfecta, avena, cajillas de gaseosa. María mujer de 55 años su negocio es la venta de derivados del maíz como pinol, pinolillo, cajetas, rosquillas, semilla de jícaro, Nora tiene 35 años se dedica a la venta de gas butano petrogas, Irene tiene 34 años su negocio es la venta de cereales y dulcería en Managua y Masaya.

Previous Loan Details

The group 'Divino Rostro' [Holy Face] is made up of three members who are hard working entrepreneurs. One of them is Juana Mercedes, who has owned a small grocery store for the past 4 years. She will use the loan to buy basic grains, cheese, coffee, toilet paper, etc. The other group members a... More from Divino Rostro 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 Divino Rostro Group's $1,675 loan helped a member to stock her store.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Jan 18, 2014
Currency Exchange Loss:
Aug 17, 2014