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Rosario, 24, is a single young woman. She lives with her parents and three siblings in Panajachel, Sololá.

She earns a living selling cosmetics to friends, family members, and other people in the town of Panajachel. She started this small business a year ago thanks to the advice of a friend who does the same work. The main goal of this job is to generate income to help her contribute to the family finances.

She's requesting a loan for 3,000 quetzals [GTQ] for working capital to expand the variety of cosmetics she sells, thus improving her income and also her customer service.

Her dream is to have a sales space to help her sell more and increase her income to improve the quality of life for herself and her family.
View original language description ↓
Rosario es una señorita de 24 años de edad, es soltera y vive en Panajachel, Sololá. Ella vive con sus padres y 3 hermanos.
Ella se dedica a la venta de cosméticos lo cual lo hace con amigos y familiares y otras personas en el municipio de Panajachel. Hace un año ella empezó este pequeño negocio gracias a los consejos de una amiga que se dedica a la misma actividad. El propósito principal de esta actividad es la generación de ingresos que la ayuden a aportar a la economía familiar.
Ella solicita un préstamo de Q 3,000.00 para capital de trabajo y así ampliar la variedad de cosméticos que vende, mejorando así sus ingresos y también el servicio a sus clientes.
Su sueño es contar con un local comercial que la ayude a vender más e incrementar sus ingresos para mejorar su calidad de vida y la de su familia.

Additional Information

More information about this loan

ADICLA's youth entrepreneurship loans allow young people without prior credit histories to borrow in groups, an opportunity that is not offered by many other microfinance institutions in Guatemala. The loans will be used to help them start small businesses.


ADICLA (Association for the Holistic Development of the Basin of Lake Atitlán) is nonprofit rural community development association that provides small loans and services to improve quality of life in two of the poorest regions of Guatemala, home to large indigenous populations. Kiva funding will be used to support three innovative credit initiatives: youth business loans, green loans, and smaller loans to help ADICLA move down-market and serve poorer clients.

About Guatemala

  • $5,300
    Average annual income
  • 129
    View loans »
    Guatemala Loans Fundraising
  • $10,877,125
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Rosario to buy cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 6, 2013
Apr 8, 2013
Currency Exchange Loss:
Jan 28, 2014