A loan of $1,275 helped a member to invest in working capital and stock her business with merchandise like pants, shirts, skirts, shorts, bedding, dresses, underwear, towels, and pajamas.


Luz Divina Group's story

The "Luz Divina" communal bank is made up of eight members, who are responsible mothers and fathers with one child under their care. They live in Sauce, which is located in the western part of the country. They are all responsible people who want to improve themselves. In their free time, they enjoy spending time with their children. Unfortunately, due to a lack of economic resources, they were not able to study and they found themselves obligated to work from a young age in order to help support their households.

Thanks to her hard work and her desire to move forward, Vilma is the coordinator of the group. To make a living, she sells clothing like pants, shirts, skirts, shorts, bedding, dresses, underwear, towels, and pajamas. She performs her work on foot, traveling to her permanent and prospective clients. She dedicates about 10 hours per day to selling her merchandise. This loan will be used to invest in working capital and to stock her business, so that in the near future she will be able to earn more income.

The "Luz Divina" communal bank is grateful for the help that Kiva lenders provide to people with few resources and poor countries like Nicaragua, so that they can have respectable work.

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

Translator profile picture

Translated from Spanish by Kiva volunteer Meghan Rishel



Loan details


Lenders and lending teams




Loan details