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Divino Niño Group
In this Group: Liner Esmerilda, Maria Isabel, Karen Maria, Maira Katherine, Rocio, Dalia Elena, Jency Leonor, Richard Anderson*, Lucy, Nanci Noemi, Maura Betty
* not pictured
The eleven members of the Divino Niño credit group have different businesses and live in Palma Real (on the border with Colombia).

Isabel is a single mother with five children—three boys and two girls. She is 31 years old. She has a small variety shop in her house and also sells clothing for every age and gender. Her business helps her to send her children to school. Three years ago she began her business with the sale of ice cream treats, soda pop, Jell-o, and bottled water. She tells us that, at the request of people in her neighborhood, she was encouraged to buy staple products (rice, sugar, oil, bread) and open a grocery store. With the passing of time, she added the variety shop that she works to this day. This helps her to cover the expenses of her family in terms of healthcare, education, and food. Through her business, she has been able to get her own house.

Isabel is considered to be an enterprising and dynamic woman. She is happy with her business because her customers are from her neighborhood and the nearby neighborhoods.

In the future, she wants to have more merchandise and be able to update her shop to serve more customers.
View original language description ↓
ISABEL. Madre soltera de 31 años con y 5 hijos, 3 varones y 2 mujeres. Ella tiene un pequeño bazar en su casa y además comercializa ropa para toda edad y género. Su negocio le ayuda al estudio de todos sus hijos. Hace 3 años ella inicio su negocio con la venta de helados – gaseosas – gelatina – y aguas en botellas. Nos comenta que con el pedido de la gente de su barrio. Se animó a comprar productos de consumo masivo (arroz – azúcar – aceites – pan) y ponerse una tienda de alimentos. Con el paso del tiempo. Puso el bazar que atiende hasta la actualidad. El mismo que apoya para cubrir los gastos de la familia en salud- educación y alimentación. Con su negocio ha podido conseguir su casa propia.
Los 11 integrantes del grupo “DIVINO NIÑO” tienen negocios diferentes y varios viven en Palma Real (frontera limítrofe con Colombia)
ISABEL. Se considera una mujer emprendedora y dinámica. Se siente contenta con su negocio porque sus clientes son del mismo barrio y de barrios cercanos.
En un futuro. Desea tener más mercadería y poder adecuar su local para atender a más clientes.

Additional Information

More information about this loan

This loan is part of VisionFund Ecuador's effort to reach vulnerable populations located along Ecuador’s frontier with Colombia. This region generally lacks access to financial services and is populated by many Colombian refugees seeking asylum from guerrilla warfare. This loan is designed to help these vulnerable populations improve their lives and set up sustainable businesses.

About VisionFund Ecuador

VisionFund Ecuador is a microenterprise development fund that supports groups of entrepreneurs who lack access to formal financial systems. The organization works with vulnerable populations, especially women, in the marginalized urban and rural sectors of Ecuador. Its clients work in a variety of sectors including agriculture, artisan crafts and the commercial and service sectors. Kiva lenders’ funds are used to expand the organization’s services to the poor living in more rural parts of Ecuador.

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 Ecuador

  • $10,600
    Average annual income
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Divino Niño Group's $9,300 loan helped a member to buy clothing and items to sell in her shop in Ecuador.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 22, 2014
May 24, 2014
Currency Exchange Loss:
Apr 17, 2015