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Ana P. is 32 years old and has a sixth graD. education. She has five children ranging in ages from 14 to 2. Her husband works as a mason and she raises livestock and also ice cream treats in the village school. She’s been doing this for five years and this provides her an income so that she can contribute to the household expenses.

With her enthusiasm, desire to get ahead, and the help of some of her neighbors and friends from an agricultural program, they formed a group so that they could apply for this loan. The name of their communal bank is “AMISTAD” (Friendship), and they decided on this name together. It is maD. up of 19 ladies who are involved in various business activities; among them are livestock, frozen treat sales, daily consumables, and clothing.

She will use the money from this loan to buy hogs so that she can increase her production and income. Her dream is to increase her production, but has not had the money to invest. This loan will allow her the opportunity to grow her business and her income, and help with her personal development and, most importantly, that of her family.
View original language description ↓
Doña Ana P. D. treinta y dos años D. edad, curso el sexto grado D. primaria, tiene 5 hijos D. diferentes edades el mayor D. 14 y la mas pequeña D. 2 años, su esposo se dedica a la albañilería y ella se dedica a la Crianza D. Animales y venta D. Helados en la escuela D. la aldea ya que cuenta con 5 años D. experiencia con estas actividades, y D. esta forma obtiene ganancias para poder colaborar con los gastos D. su familia. Contando con entusiasmo, deseos D. superación y la ayuda D. unas vecinas y compañeras D. un programa D. agricultura organizan un grupo, para poder solicitar un préstamo. El Banco Comunal se denomina AMISTAD, el nombré fue elegido por todas las integrantes. El grupo cuenta con 19 integrantes mujeres, quienes se dedican a diversas actividades entre ellos podemos mencionar; la crianza D. animales, venta D. Helados, Consumo Diario y ropas típicas. El préstamo ella lo utilizará para compra D. Cerdos, y D. esa forma incrementar su Producción y así generar más ingresos. Ya que el sueño D. ella es que su producción crezca, pero por falta D. capital, no ha podido, y considera que con este crédito crecerá su producción y generara mas ingresos para su desarrollo personal y sobre todo familiar.

Additional Information

About Asociación ASDIR

ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.

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 Guatemala

  • $5,300
    Average annual income
  • 74
    View loans »
    Guatemala Loans Fundraising
  • $9,890,250
    Funds lent in using Kiva
  • 8.1
    Guatemala Quetzales (GTQ) = $1 USD