The members of the Divino Rostro group are Martha S. who sells food from her house, providing a running menu for lunch and dinner; Sandra Vanesa Sequeira who sells cosmetics and silver jewelry; Juana Mercedes who owns a general store in a space at her house; and Maria Auxiliadora R. who travels the country selling "rosquillas" (a local pastry). These women are natives of the city of Diriomo. They're hard-working, entrepeneurial and responsible. As an example of this, we have Juana Mercedes Bermudez who, with much effort, has learned to operate a small general store. She is a woman of 56 with a lot of experience at getting ahead and energy to spare for improving her business even more. She lives with her husband. She works to keep herself but her husband helps with sales and shares the household expenses. Juana says that she is very proud to work with Adim because it's given her the chance to attend seminars and learn to manage her business. Before starting to work with the bank, she thought about closing the business but Adim has taught her that businesses sometimes have to compete with other businesses and that it's nothing more than another of life's challenges. The group always expects its members to repay their loans on time, something that has given them a lot of satisfaction along with the chance to work.
El grupo solidario Divino Rostro, está integrado por las señoras Martha S., quien vende comida en su casa, ofrece platos de menú corriente en los almuerzos y cenas que ofrece a sus clientes, Doña Sandra Vanesa Sequeira, vende cosméticos y joyería de plata, doña Juana Mercedes que tiene una pulpería en su casa y doña María Auxiliadora R. que vende rosquillas de manera ambulante en los diferentes departamentos del país. Estas señoras son originarias de la ciudad de Diriomo, siendo mujeres muy trabajadoras, emprendedoras y responsables, ejemplo de esto tenemos a la señora Juana Mercedes B. quien con mucho esfuerzo ha sabido mantener su pequeña pulpería, ella es una mujer de 56 años con muchas esperanzas de salir adelante, se siente con muchas energías de emprender más en su negocio. Ella vive con su esposo, no tiene a ningún hijo a cargo, trabaja para mantenerse, su esposo le ayuda a hacer compras y además colabora con los gastos de la casa.
Doña Juana expresa que ella se siente muy orgullosa de trabajar con Adim porque ha tenido la oportunidad de compartir capacitaciones donde está aprendiendo a manejar el negocio, poco antes de trabajar con el crédito ella pensaba cerrar el negocio y en Adim ha aprendido que el negocio puede seguir compitiendo con otros establecimientos, esto le ha dado un reto en la vida.
El grupo espera siempre ser un grupo puntual, esto les ha dado mucha satisfacción y oportunidad de trabajar.
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.