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Del Tul Group
In this Group: Carmela, Delia, Blanca, Victoria, María, Margarita, Sara, Martha, Mercedes, Delmy, Micaela, Suseth, Ana, Irma, Rosa
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Among the many qualities of the clients of ComUnidad del Tul (term that Friendship Bridge uses to describe a Communal Bank), there is one that is worth emphasizing – the harmony that exists between the two different ethnic groups: Mayas Kachikeles and ladinas (descendents of Europe), that constitute the group. It is remarkable to see women that belong to different cultures work, organize themselves and get along so well. This characteristic particularly stands out when the Board of Directors, which consists of ladina and Maya Kachikel women, work together in a harmonious and effective manner.

The great majority of these women were weavers before receiving their first loan through Friendship Bridge. Many of them helped their mothers embroider huipiles (traditional Guatemalan dresses). However, with the loan they will receive from Kiva, our clients have chosen to change their path toward a more prosperous one.

At this time, the women of del Tul are investing their money in a variety of economic activities. For example, CarmeL. S. has been investing her loan in a toy store, MicaeL. J. in her convenience store, Rosa Ajpuac in her bakery, and Blanca U. in her candle and decorations store. Irma C. will invest in buying 300 roosters and hens, which she buys at 40 quetzales and then resells for 60 quetzales. Finally, another interesting initiative is that of Ana Sologui, who invests her money in her small parceL. (land plot) for harvesting coffee, which is then exported to Mexico and El Salvador.

The dreams of many of these women are centered on enabling themselves to buy a small plot of land where they can build a house or expand their respective homes, being that a small house is not adequate for their sizeable families. Delmy D. León said: “I would like to buy a plot because my house is not large enough for my family.” Delmy has eight children. Suseth G. would like to buy two cuerdas (1 cuerda = 25m x 25m) of coffee for her son. Finally, CarmeL. told her group that she would love to buy a car to be able to work in a more efficient and less sacrificed manner and to travel. These women have a lot of hope in life and in God, being that they have been given an opportunity to succeed. It is for this reason, that they should be supported so that they may continue having that hope.

This picture was taken during a pre-qualifying credit reunion.

One of the members of this group could not attend the reunion for medical reasons. She had to go to the Sololá hospital.

Translated from Spanish by Evelyn Garcia, Kiva Volunteer.



Dentro D. las muchas cualidades que tienen las clientas D. L. ComUnidad del Tul (término que utiliza Friendship Bridge para describir a un Banco Comunal) hay una que cabe destacar, L. armonía que se vive entre las dos distintas etnias: Mayas Kachikeles y ladinas (descendientes D. Europeos) que constituyen el grupo. Es remarcable ver a señoras que pertenecen a distintas culturas trabajar, organizarse y llevarse tan bien. Está característica sale a relucir sobre todo cuando L. Junta Directiva, compuesta por señoras ladinas y Mayas Kachikeles, trabajan juntas D. una manera armoniosa y eficiente.

L. gran mayoría D. señoras fueron tejedoras antes D. recibir su primer préstamo en Friendship Bridge. Muchas D. ellas ayudaban a sus madres a bordar huipiles (traje tradicional Guatemalteco). Sin embargo, con el préstamo que van a recibir D. Kiva, nuestras clientas han escogido cambiar D. rumbo hacia uno más prospero.

En estos momentos, las mujeres del Tul están invirtiendo su dinero en una variedad D. actividades económicas. Por ejemplo, CarmeL. S. ha estado invirtiendo su préstamo en una tienda D. juguetes, MicaeL. J. en su tienda D. consumo diario, Rosa Ajpuac en su panadería, Blanca U. en su tienda D. velas y adornos. Irma C., va a invertir su dinero para comprar 300 gallos y gallinas los cuales los compra a cuarenta quetzales y luego los revenD. a 60 quetzales. Finalmente, otra iniciativa interesante es L. D. Ana Sologui quien invierte su dinero en su pequeña parceL. D. café, el cual es exportado a México y a El Salvador.

Los sueños D. muchas D. estas señoras están concentrados en L. idea D. poder comprar un terrenito para poder construir su casita o para poder ampliar su respectiva casita ya que una pequeña casa no le alcanza para sus cuantiosas familias. Delmy D. León dijo: me gustaría comprar un terrenito porque L. casa ya no alcanza para mi familia.” Delmy D. León tiene ocho hijos. Suseth G. le gustaría comprar dos cuerdas (1 cuerda = 25m por 25m) D. café para su hijo. Finalmente, Carmelo contó al grupo que a elL. le encantaría comprar un carro para poder trabajar D. una manera más eficiente y menos sacrificada y para viajar. Estas señoras tienen mucha esperanza en L. vida y en Dios, ya que se les ha dado una oportunidad para seguir adelante. Es por eso que se les debería D. apoyar para que sigan teniendo esta esperanza.

L. foto fue tomada durante una reunión D. pre-crédito

Una D. las integrantes del grupo no pudo asistir a L. reunión por razones médicas, tuvo que ir al hospital D. Sololá

Additional Information

About Friendship Bridge

This loan is administered by Friendship Bridge (FB), a nonprofit, nongovernmental organization that empowers thousands of impoverished Guatemalan women through its Microcredit Plus program. The program combines small loans averaging US$350 for four-to-twelve month loan terms with non-formal, participatory education.

As FB clients, women start, expand, or diversify their businesses and learn practical lessons on topics including business, health, and self-esteem. FB’s clients borrow as a group, forming Trust Banks (groups of 7-25 women who serve as co-guarantors of the loan and act as a self-regulating support network).

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

  • $4,155
    Average annual income
  • 59
    View loans »
    Guatemala Loans Fundraising
  • $8,744,750
    Funds lent in using Kiva
  • 7.7
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Del Tul Group's $4,900 loan helped a member purchase capital to supply a toy store, a convenience store, a bakery, a candle and decorations store, a chicken reselling business, a coffee-growing parcela and other businesses in an effort to provide their families with more adequate housing and transportation.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Dec 16, 2007
Listed
Dec 1, 2007
Currency Exchange Loss:
Covered
Ended:
Nov 1, 2008