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Sin Bandera Group
In this Group: Marlene Del Carmen , Jose Esteban , Justa Pastora
This group consists of three successful and enterprising members. One of them is Marlene, a businesswoman who sells milk and perishable goods. She sells her products from her home and at the market in her town. Marlene has been in business for several years. She is 42 years old and married. Her loan will be invested in large cans of milk, as well as perishable goods such as squash, tomatoes, onions, bell peppers, chayote, cassava, gourds, and other items. Marlene manages her business because of her customers.

Jose is 41 years old and works as a farmer. He also sells firewood. Justa is a 41-year-old woman who has a business in which she makes and sells “tamales piques” (tamales that have a bean filling) and “tamales rellenos” (tamales stuffed with various fillings).
View original language description ↓
Grupo formado por tres socios emprendedores de éxito una de ella es Marlene mujer empresaria que se dedica a la venta de leche y perecederos, estos los comercializa en su domicilio y en el mercado de su localidad, desde hace varios años, ella tiene 42 años es acompañada, el crédito lo invertirá en la compra de leche de vaca por bidones, así también sus perecederos como pipián, tomate, cebolla, chiltoma, chayote, yuca, ayote etc. ella misma atiende su negocio ya que tiene su clientela, Jose tiene 41 años y su negocio es que es agricultor y vende leña y Justa mujer de 41 años y su negocio es la hecha y venta de tamales pisques, tamales rellenos.

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Sin Bandera Group's $550 loan helped a member to buy large cans of milk, as well as perishable goods such as squash, tomatoes, onions, bell peppers, chayote, cassava, gourds, and other items.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 17, 2014
Feb 19, 2014
Currency Exchange Loss:
May 17, 2014