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Luna Group
In this Group: Francis Yajaira, Miriam Estela , Ivania Vanessa
This support group is made up of three members who are successful in their daily work. The group is led by Francis, aged 39, who is married and has two children aged 15 and 9 years. For 10 years she has made a living selling cosmetics.

This is the reason why she needs a loan to increase her stock of products such as men's and ladies' perfumes, body lotion, lipstick, nail varnish, eyeliner, blusher, eyeshadows and other items.

53-year-old Miriam is one of the other members and sells men's and women's shoes. Ivania, who is 30 years old, runs a small grocery store in her home.
View original language description ↓
El grupo solidario lo integran tres socias exitosas en sus labores cotidianos, coordinado por la señora Francis de 39 años de edad, casada y madre de dos hijos de las edades de15 y 9 años, dedicada a la venta de cosmético desde hace diez años, es por este motivo que requiere el crédito para aumentar la mercadería en productos como perfumes de damas, perfumes de caballeros, boddy, pinturas labial, pinturas de uñas, delineadores, rubor, sombras y más. Otra integrante es la señora Miriam de 53 años comerciante de zapatos para damas y caballeros, y la señora Ivana de 30 años propietaria de una pulpería en su domicilio.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,767,775
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luna Group's $750 loan helped a member to buy products such as men's and ladies' perfumes, body lotion, lipstick, nail varnish, eyeliner, blusher, eyeshadows and other items.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 21, 2014
Apr 25, 2014
Currency Exchange Loss:
Oct 17, 2014