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Luz Divina Group
In this Group: Diana, Joseline, Gasson, Rony, Monica, Nelly*, Miguelina, Ovitta, Rolando*, Bernardo
* not pictured
Diana G. D. L. R. is the coordinator for Luz Divina, a microfinance group in Sosua. Her neighborhood is deeply impoverished, but is located amidst the lush hills of the Dominican north coast. Diana is 40 years old and lives with her husband, Orlando, and two of her three children – Rolando, Ronaldo, and Franklin – who are aged 24, 21, and 19 years respectively. Rolando lives by himself and runs a baseball field near his mother’s neighborhood. Ronaldo and Franklin both enjoy playing basketball and hiking through the beautiful wilderness that surrounds their home. They both attend a local public school.


Diana says that she enjoys listening to music and is especially fond of cooking. With this in mind, she opened a small food shop in her house. There she sells bread, beans, rice, sugar, ham, and other basic ingredients. Diana owned the business before coming to Kiva partner, Esperanza, for a loan, and was able to make about 4,000 DOP a month. Since then, she has taken three loans (including this one) to purchase increasing amounts of inventory. Diana says that with Esperanza, she has managed to increase her monthly income by 5,000 to 6,000 DOP.


This additional money has given Diana breathing room to start thinking about her future. She has been experiencing a great deal of chest pain recently and would like to hire a doctor. Additionally, she would like to renovate the walls of her home. Diana currently has untreated wooden walls that gather termites and rot. She would like to build cement walls to solve this problem. Diana relies on loans from Esperanza to continue the growth of her business. With access to microcredit, she has the power to bring these dreams into reality.

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
  • 2
    View loans »
    Dominican Republic Loans Fundraising
  • $8,061,225
    Funds lent in using Kiva
  • 36.0
    Dominican Republic Pesos (DOP) = $1 USD