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Luz Divina Group
In this Group: Jamileth Johana , Johana Patricia , Sara Maricela
Jamileth Johana is 23 years old, married with a small son who is 1 year old. She is the coordinator of the Grupo Solidario Luz Divina and sells silver and gold jewelry.

She started selling jewelry with a friend but for the last 2 years has worked alone. Jamileth also works as a cafeteria assistant in a primary school. From Monday to Friday she works in the cafeteria and at the weekends she sells her jewelry at banks and business offices in particular. She doesn't always do well with her sales but she doesn't get discouraged. She moves on with her son as her inspiration to excel.

Jamileth needs the loan requested to buy a variety of chains, earrings, bracelets, rings and other silver and gold jewelry. With the help of the loan she will be able to continue having a second income to help her husband with the household expenses. Her goal is to set up and work at her own variety store and thus make more profit to give her son a better quality of life.

Jamileth has 4 loan cycles with FAMA and has made her agreed repayments punctually. She hopes that this 5th cycle is no exception.
View original language description ↓
Jamileth Johana tiene 23 años de edad, es casada y tiene un pequeño hijo de un año de edad, es coordinadora del Grupo Solidario Luz Divina y se dedica a la venta de joyeria de plata y oro.

Sus comienzos en la venta de joyeria los inicio junto con una amiga, pero desde hace dos años Jamileth trabajo de forma independiente y ademas de eso trabaja como dependienta en la cafeteria de una escuela primaria. De lunes a viernes labora en la cafeteria y los fines de semana sale a vender joyeria especialmente de las oficinas de empresas y bancos. No siempre le va bien con las ventas pero no se desanima y sigue adelante porque su hijo es su inspiracion para superarse.

El prestamo que Jamileth solicita lo necesita para comprar variedad en cadenas, aritos, pulseras, anillos, entre otra joyeria de plata y oro. Con el apoyo del prestamo ella podra seguir teniendo una segunda entrada de dinero para ayudar a su esposo con los gastos del hogar. Su meta es instalar una tienda de variedades para trabajar lo propio y asi obtener mas ganancias y con eso podra darle una mejor calidad de vida a su hijo.

Jamileth tiene cuatro ciclos de estar en FAMA y ha cumplido con el compromiso de sus pagos de forma puntual y espera que este ciclo no sea la excepcion.

Additional Information

About FAMA:

Honduras is one of the poorest countries in the Western Hemisphere with approximately 59% of people living below the poverty line. Familia y Medio Ambiente OPDF (FAMA OPDF) is a Honduran non-profit with no religious or political affiliation. FAMA’s mission is to provide quality and opportune financial services so that men and women have equal opportunities to develop their micro or small businesses, whether they focus on agriculture, manufacturing or services. FAMA operates 13 branches throughout Honduras and serves over 12,500 clients.

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 Honduras

  • $4,800
    Average annual income
  • 90
    View loans »
    Honduras Loans Fundraising
  • $8,845,600
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Divina Group's $975 loan helped a member to buy silver and gold.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 26, 2011
Sep 28, 2011
Currency Exchange Loss:
Apr 15, 2012