Fellows Blog Posts by Monica Ann Bernadette

Apr 20, 2010 NI Nicaragua

By Monica Hamlett, KF10, Managua, Nicaragua

I mentioned in a previous blog that the field partner I have been working with, ADIM in Managua, Nicaragua, hosts education seminars for their clients. Last Friday I had the opportunity to participate in their Human Development course.

ADIM publishes various workbooks for these courses, holds very regular classes, and takes the education portion of their role very seriously. From the very beginning I have been impressed by the social aspect of this microfinance institution, but yet, this role they take is the same...

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Apr 8, 2010 NI Nicaragua

By Monica Hamlett, KF10 Managua, Nicaragua

Nicaragua is in limbo of a new law as we speak, one of the mandates is an interest rate ceiling for microfinance institutions. So I did a little research to keep up with the current events.

The Consultative Group to Assist the Poor (CGAP) published a donor brief titled, “The Impact of Interest Rate Ceilings on Microfinance”. Because I know how intoxicating the title is and the temptation to read is nearly unbearable, I will take the liberty of highlighting a few key points.

So, if we put a cap on the rate will we...

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Apr 2, 2010 NI Nicaragua


In this scenario I am Lassie and you are Timmy. I’m all worked up because I’m watching helplessly as a senseless law is passed, a law which has the potential to seriously damage the microfinance sector in Nicaragua and rob many of the poor of financial growth and opportunity. So be patient and listen close as I bark at you…

June 2008: A group of farmers, led by Omar Gonzalez Vilchez from Wiwili, Nicaragua...

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Mar 27, 2010 NI Nicaragua

  • ADIM is The Alternative Association for the Integral Development of Women,
  • ADIM is one field partner in Nicaragua who works with Kiva – choosing borrowers, taking their pictures, collecting repayments… all the stuff going on behind the scenes,
  • ADIM is an awesome microfinance institution, and I’m not the only one who thinks so…

In 2009 ASOMIF (The Nicaraguan Association for Micro Finance Institutions) awarded ADIM “Best Practices in Microfinance for Gender Focus”.  And here is why...

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Mar 2, 2010 NI Nicaragua

So it turns out I have an ugly competitive side.  I take that back, it does not “turn out” I have an ugly competitive side, I confess I have known about it for a long time and this weekend it has shown its teeth.

Saturday I climbed Cerro Negro.  A cinder cone volcano in Nicaragua which is not only famous for activity – it has erupted 23 times since 1850, most cinder cone volcanoes erupt only once (http://en.wikipedia.org/wiki/Cerro_Negro, http://en.wikipedia.org/wiki/Volcano#Volcanic_cones_.28cinder_cones.29)- but also it is famous for the popular tourist attraction, volcano...

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Feb 14, 2010 NI Nicaragua

As I walked into Jose’s home I was greeted by tinkering noises of shoe making. The smell of onions cooking in oil over a fire drifted under my nose. A thin dog maneuvered gracefully between all the legs and commotion as I maneuvered like a tall clumsy English-Irish type bumping my head on various structures and door frames.


I tried as best as I could to fade into the background and simply observe. One shoe was being heated in the flame. Another was...

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