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Juntas Venceremos Group
In this Group: Namilet , Milagros Del Carmen , Wilfredo Antonio
The communal bank is comprised of three energetic members. Namilet, age 33, coordinates the group. She is in a relationship, and she has two children, ages 10 and 12. It is for them that she has improved herself in order to give them a better quality of life.

She has been selling fast food in the health center in her area for eight years. Through the loans she has managed to put into place a business of selling clothes and perfume. She is requesting the loan to buy instant noodles, cooking oil, rice, cabbage, bread, tomato sauce, and cream, etc. However, she will also buy t-shirts, blouses, work clothes, athletic clothing, and underwear.

The member’s other achievements are improving her house and maintaining her hot dog cart. The most important thing is the opportunity to work at her house in order to care for her children.

Milagros, age 30, who sells clothes and sandals in an itinerant manner in her community, is also a member. The other member, Wilfredo, age 54, sells soft drinks and fruit from his home.
View original language description ↓
El grupo solidario lo integran tres socios esforzados y lo coordina la señora Namilet de 33 años de edad, acompañada y madre de dos hijos de las edades de 10 y 12 años por quien se ha superado para ofrecerle una mejor calidad de vida, se dedica a la venta de comida rápida en el centro de salud de su localidad desde hace 8 años, por medio de los créditos ha logrado implementar la venta de ropa y perfumes y el crédito lo solicita para la compra de marucham, aceite, arroz, repollo, pan, salsa de tomate, crema, etc., pero también invertirá en camisetas, blusas, talladores, licras, blúmer y bóxer, otros logros de la socia es la mejora en su vivienda, mantenimiento del carro hot-dog y lo más importante que es la oportunidad de trabajar en su vivienda para estar al cuido de sus hijos. Los otros socios son la señora Milagros de 30 años comerciante de ropa y sandalias de manera ambulante en su comunidad, y el señor Wilfredo de 54 años quien ofrece el servicio de refresco y frutas 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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Juntas Venceremos Group's $1,675 loan helped a member to buy instant noodles, cooking oil, rice, cabbage, bread, tomato sauce, and cream, t-shirts, blouses, work clothes, athletic clothing, and underwear.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
May 8, 2014
May 28, 2014
Currency Exchange Loss:
Dec 17, 2014