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Luz Y Vida Group
In this Group: Maria , Esperanza , Aura Marina , Catarina Yolanda , Marta Dalila , Maria Marleny , Ceferina Micaela , Luisa Rosalia , Evelyn Viviana
In one of the rural areas of San Francisco El Alto, located in the western part of the department of Totonicapán, Guatemala, Mrs. Ceferina and her family strive every day looking for a better life.

Ceferina, 40 years old, has seven children (two girls and five boys). She and her husband are dedicated to garments, including formal outfits, pants, sweat suits, and school uniforms, among others.

Nine women including Ceferina formed the trust bank called Luz y Vida (Light and Life) in August last year. Each one of these ladies have paid back their loans successfully, and now they all are moving to a new loan cycle.

The first loan was a huge boost for Ceferina’s business because it gave her three potential new clients, who are demanding considerable amounts of products. Ceferina and her husband have recently employed five people. They supply them with materials so they can finish making the products. That way Cerefina can cover all the demands of her customers.

Ceferina did not hesitate to start a new loan cycle with Friendship Bridge Organization because she has more demand than usual for this time of the year. She will use this new loan to buy fabric and thread to distribute to her employees so they can start working on the existing orders. Ceferena is satisfied that she is able to support other people’s economy by giving jobs to these five people, who also have large families.

Ceferina in turn appreciates the effort and dedication of people throughout the world who are supporting the progress of rural communities in Guatemala, where access to loans is limited, but there are people who trust and believe in them.

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
  • 117
    View loans »
    Guatemala Loans Fundraising
  • $10,302,100
    Funds lent in using Kiva
  • 7.9
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Y Vida Group's $4,475 loan helped a member to buy fabric and thread.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 3, 2012
Aug 31, 2012
Currency Exchange Loss:
Sep 17, 2013