A loan of $900 helped a member to invest in working capital and to buy raw material like corn, firewood, gas, and plastic bags.

Luz Divina Group's story

The Luz Divina (Divine Light) communal bank is made up of eight members; all women between the ages of 25 and 55 years old, and single mothers with 15 children under their responsibility. They are from El Sauce, a place located in the northern region of the country. El Sauce is known for being an area that produces milk, curd, and cream.

These are women known for being responsible, hard-working, and well mannered, with the desire for personal improvement. At the same time they are very sincere and humble people with a great desire to offer their children a better future.

María Inés is the coordinator of the Luz Divino communal bank whose way of earning a living is by making and selling tortillas. The business she has is located in her home. María Inés' daily routine is to work 12 hours a day. She gets up at 4:00 am to prepare the corn for making the tortillas. She needs the loan to buy raw materials like corn, firewood, gas, and plastic bags.

The Luz Divina communal bank is grateful for the help that Kiva lenders offer to people with limited resources from poor countries like Nicaragua so that they have a means of decent work.

In this group: Emelina, Maria Ines, Maria Mercedes, Marcia Ramona, Liliana Amparo, Nubia, Vilma Haydee, Danelia Del Socorro
*not pictured

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Translated from Spanish by Kiva volunteer Stephanie Sawyer

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