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Ines' Group
In this Group: Ines, Emerenciana, Clara , Juanna , Esperanza *, Maria , Fernando, Ludovina , Guillermina , Luz, Isabel, Miguel, Margarita*, Yreno, Jeannente, Ania , Esperanza, Rosy , Ofelio, Mardonisia
* not pictured
Ines C. is preparing to receive her seventh loan with Esperanza. She has been working for several years with her niece, operating a beauty parlor. Her niece primarily cuts and colors hair, while Ines’ main job is providing hair products such as shampoos, conditioners, gels, etc. The business has been successful for the two, as Ines has returned to Esperanza several times, and each time she has requested a larger loan.


Through the fist six loans, Ines has been with Esperanza for almost four years, and during those four years she has maD. significant changes in her life. She recently bought a freezer with her savings, and has maD. other improvements to her home. She currently lives alone, and when I asked her if she wanted to make any other improvements in the future, she told me she wanted to find a husband and then asked me to join her. This led to abrupt laughter from the entire group. She was only kidding, and she reiterated her desire to improve her home and her business. Her next step is to buy cinder blocks to surround her house, because they proviD. better support in the event of a strong storm.


As each day passes, Ines and her niece are expanding their customer base. Ines explained to me that women in the Dominican Republic spend a lot on their appearance, so she believes there is no reason for her business to suffer. She sees an increasing demand for her products and plans on providing the needed supply.

Additional Information

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 Dominican Republic

  • $7,611
    Average annual income
  • 3
    View loans »
    Dominican Republic Loans Fundraising
  • $8,065,475
    Funds lent in using Kiva
  • 36.0
    Dominican Republic Pesos (DOP) = $1 USD