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Bella Flor Group
In this Group: Rosa Maria , Lesbia Catalina , Maria Jeronima , Maria Santiago , Maria Marylena , Florinda , Maria Angela , Maria Julia , Maria Lidia , Angelica Ester
Women throughout the world like to feel beautiful, just because they are women. The ten women of the trust bank “Bella Flor” or beautiful flower feel just this way. Their village is called Santiago Zamora in Sacatepéquez, Guatemala. This group was formed 5 years ago, but over time some people left the group and new members have joined.

Rosa is a very enthusiastic and active 43-year-old married woman with five children. She is pleased and proud that each of them attends school. Her first child is in the 10th grade and she happily anticipates his graduation from high school. Rosa, herself, was a teacher for three years and then her contract expired. She searched for another teaching position, but unable to secure one, she decided to enter the textile business. Currently, she is in her 4th loan cycle and employs five workers. She plans to invest her loan in the purchase of raw materials as she has increased demand with new customers.
As the president of the “Bella Flor” trust bank, Rosa encourages her fellow members to confidently move forward. She places a great deal of emphasis on the responsibility that each member has with Friendship Bridge. Rosa is most appreciative of her own loan and the impact it has made in her life. Her feelings are shared by her fellow trust bank members.

In her own words: “Thanks to everyone who has been so generous in giving us a loan. This loan really helps us in our daily lives. Together with our husbands, we can make progress for ourselves, our families and our 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
  • 76
    View loans »
    Guatemala Loans Fundraising
  • $9,872,275
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Bella Flor Group's $2,975 loan helped a member to purchase raw materials for her textile business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Mar 21, 2013
Currency Exchange Loss:
Feb 17, 2014