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Shalom 1,2 Group
In this Group: Josefina, Rosa, Lucia, Zorilla, Carolina
Josefina is the coordinator of her group called “Shalom” and her story is representative of her group and of Esperanza's Haitian and Dominican clients generally (many of whom recently emigrated to the Dominican Republic from Haiti). Her group is located in the rural areas surrounding Hato Mayor in the eastern lowlands of the Dominican Republic where the economy is centered around agriculture and where running water (none of which is potable) and electricity are unreliable. She makes her home here in a simple structure of wooden walls and a tin roof with her husband and her son.

Josefina is excited to be taking her fourth loan with Esperanza after having successfully repaid her previous loans without arrears. She plans to use this loan to invest in her business selling clothing and shoes by purchasing blue jeans, blouses and shoes. Her business model is to take orders for clothing and then to go to Santo Domingo and purchase the clothes in the main markets and come back to her community to sell the items at a profit. While 80% of her product is ordered in advance she will sell the rest by walking around the community and searching for clients.

Josefina will use the profits to invest in her home by completing the project her husband has started to replace the wooden walls with cement block. She also intends to continue investing in her family by purchasing medicine, school supplies and clothes for her son. In the long term her goal is to purchase a small plot of land so that she can construct her own home, as her current home is owned by her parents. She also plans to start university classes in business management soon. She thanks you all for your support.

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

  • $9,700
    Average annual income
  • 12
    View loans »
    Dominican Republic Loans Fundraising
  • $8,245,775
    Funds lent in using Kiva
  • 36.0
    Dominican Republic Pesos (DOP) = $1 USD

Success!! The loan was 100% repaid

A portion of Shalom 1,2 Group's $1,700 loan helped a member to buy more blouses, blue jeans and shoes to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 23, 2009
Jan 20, 2010
Currency Exchange Loss:
Jul 15, 2010