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Flor De Jocote Group
In this Group: Maria Francisca , Marta Julia , Dominga , Hilaria , Vicenta , Francisca , Irma Maria
The trust bank “Flor de Jocote” (Jocote is a fruit, which grows widely in the area) was formed in 2010 in a tiny rural village called Cruz Blanca, San Juan Sacatepequez, in the central highlands of Guatemala, where access is by dirt road. The group is very active and dynamic; it is composed of seven women, dedicated to various commercial and production activities, such as: sale of clothing, animal husbandry, and the sale of meat, which are sold in the community or the nearest market (20 minutes away from the village). All the members are neighbors and know one another. This is their third loan cycle, and their two previous loans with Friendship Bridge were paid in full and on time.

Maria Francisca, treasurer of the group, is forty-six years old, married and has four daughters. In recent years Maria Francisca has been a working with livestock, rather than weaving. She sells her products in the market nearby (20 minutes from where she lives) on Mondays, Wednesdays and Saturdays. Maria Francisca believes strongly in good education, although she did not have the opportunity to attend school herself, but she encourages her daughters, currently in kindergarten, 1st, 4th and 5th grades, to stay in school. Her dream is that they graduate from high school and ultimately from college.

With the new loan, Maria Francisca wants to increase her sales. She plans to add variety to her business, so she will buy more chickens, turkeys, ducks and pigs to meet her clients’ needs. With her income Maria Francisca can provide better standard of living for her family, as the cost of living has increased and her husband's income is not enough. Maria Francisca is very optimistic about the future; she hopes to be more successful through growing her business with the support of her daughters.

Maria Francisca and her Trust Bank are very grateful that people from around the world know about them and take time to invest in them. They believe that Friendship Bridge and Kiva loans make a difference in their lives. "Wow, technology has advanced, and there are no barriers to support another human being," says Francisca Maria Larios.

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

  • $5,300
    Average annual income
  • 75
    View loans »
    Guatemala Loans Fundraising
  • $9,883,175
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Flor De Jocote Group's $2,500 loan helped a member to buy more chickens, turkeys, ducks and pigs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 9, 2012
Feb 28, 2012
Currency Exchange Loss:
Jan 15, 2013