A loan of $350 helped a member work capital; improve the conditions of the store.


Torres Group's story

The communal bank Torres was formed in the community of Llano Grande, a municipal region in Masaya. The members come from a poor and humble area, where going to school is a privilege. They are very passive and shy people. When ADIM visited them and disbursed the first loan, coupled with training, the group realized the usefulness of the loans for society. They decided to leave the countryside to start a business in the city. They began their store with no more than C$1000.00. The group now has had three loans with ADIM of more than C$2300.00. Their loans have been invested in the purchase of essential products. Mrs. Maria Elena is part of the communal bank Torres, is married, and has a small family. At her age, she feels useful and plans to keep working and expanding her product offering. She will be receiving a third loan, and she feels proud that she has not hurt her relationship with ADIM, which has been financing her for several years. The communal bank has received trainings on self-esteem and business administration. The most impactful lesson has been that in order to make progress, she must save. In this way, she can take out a new loan and make progress.

In this group: Maria Elena, Candido José, Martha Ercilia
*not pictured

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Translated from Spanish by Kiva volunteer Lucia Franzese



Loan details


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Loan details