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Flor San Juanera Group
In this Group: Maria Del Rosario , Maria Santos , Ana Adela , Damaris Nohemi , Rosa Maria , Sonia Maribel , Ana Lucrecia , Astrid Marllene , Evelin Yesenia
Flor San Juanera, "Saint John Flowers" Trust bank is located in San Juan Sacatepequez, a small town outside Guatemala City in the central highlands of Guatemala where a large percentage of the country’s of flowers are grown. The members have a variety of businesses, including: selling cosmetics, selling flowers, selling fruit, embroidery and selling clothes. Having formed in 2010, the ladies are an active and dynamic group; they know each other well; and they share a close friendship. This is their fourth loan cycle, and they paid their three previous loans in full and on time.

Also in her fourth cycle, Rosa Maria is thirty-six years old, has four children (two boys and two girls) who are in 1st, 2nd, 6th and 7th grades. Rosa Maria is the president of her trust bank, and her business is embroidery, a practice she learned from her husband thirteen years ago. Dedicated to her practice, she is perfecting the technique. Rosa Maria also sells traditional clothing. As she lives near the market, she made a small space in a room in her house to open a small shop where she sells her products. Rosa Maria is excited to get another loan with Friendship Bridge, which she will use to purchase fabric and thread to fill the orders she has, especially during this time of the year (which is right before Easter). Many people place orders with her because of her modern designs. Rosa Maria's dream is to have market stall or storefront in the market. Although she has a small space in her house, she wants to be closer to new clients and display her products in the market, that way she would be able to sell more product and generate more income to support her family.

On behalf of her Trust Bank partners, Rosa Maria, says, “I am very happy that people from other countries who have more possibilities, have the desire to help those who intend to move forward with small businesses. I thank Kiva investors for opening the doors of opportunity for the benefit of our families and community."

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
  • 131
    View loans »
    Guatemala Loans Fundraising
  • $10,855,800
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Flor San Juanera Group's $3,850 loan helped a member to purchase fabric and thread to fill the orders she has.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 9, 2012
Feb 28, 2012
Currency Exchange Loss:
Feb 15, 2013