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Yama De Amor 1, 2, 3 & 4 Group
In this Group: Joelisa, Ivonise, Elias, Andrea, Hilaria, Ana, Maririn, Yabely, Valdine, Yolanda, Angela, Yafreisy, Ana, Maria, Joely, Agustina, Astrida, Maxima, Yolanda, Maria
Joelisa is the coordinator of her group, 'Yama D. Amor 1, 2, 3 & 4' ('Flame of love'). She makes her home in a simple structure with her parents and a child. She says that her most difficult challenge is to work and have a better future. In the meantime, she plans to continue to enjoy to studying and working in beauty activities.

Joelisa is excited to be taking her 11th loan with Esperanza, after having successfully repaid her previous loan and grown her business. She has had her business for over six years, starting with her first Esperanza loan.

Joelisa plans to use this loan to invest in her business by buying clothing and underwear. She will use the profits to invest in her business and to buy a refrigerator and food and clothes for her family. She also wants to save and buy her house in the not to distant future.

This associate began with Esperanza because the program motivates people to invest in business and work hard to become successful. Esperanza came to her impoverished village and she understood that this could be her answer to achieve a better life.

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 Samana, a lush rugged peninsula with a nascent tourism industry. This area, like nearly all impoverished areas of the Dominican Republic suffers from unreliable electricity and running water (none of which is potable).

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
  • 36.7
    Dominican Republic Pesos (DOP) = $1 USD