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Las Manzanas Group
In this Group: Santos , Guadalupe Matilde , Vicenta Veronica , Mercedes Florinda , Rosa Candelaria , Silvia Paola , Lucia Antonia , Josefa Josefina , Ana Isabel , Silvia Antonieta , Pascuala Mercedes Faustina , Reyna
Ten very sympathetic and cheerful women belong to the "Las Manzanas" (the apples) group. They are located in a small neighborhood called Panimá, which is in Totonicapan, Guatemala. They describe their community as: "Totonicapán, land of apples, pines, and beautiful women." Totonicapán is one of the leading producers of popular Guatemalan crafts, which are in high demand because of their variety and quality.

Las Manzanas is in its sixth loan cycle. Some of its members have stayed with the group and others are relatively new.

An enthusiastic member of the group is Mrs. Santos. Her name is derived from the fact that she was born on Holy Thursday, a holy week in Guatemala. She is 62 years old and has nine children, three girls and six boys. Her business involves dying yarn. She purchases raw yarn, makes a variety of dyes. and produces finished yarn in different colors and in large quantities. She started her business 24 years ago when she learned it from her husband’s family. She has now taught her children the technique.

Santos will use the loan to buy raw materials in bulk because the price is favorable. She has a good demand for her products. One of her main customers wants to have orders delivered every 15 to 20 days. This request is for a customer 3½ hours away from Santos's home. The demand makes Santos very happy because there are currently three people working for her business but if she has higher demand it might be a possible to employ more people.

Santos is very thankful to all Kiva lenders for providing her with the opportunity to improve her business. The loans are not only helping the women because the profit that they make will also benefit their children.

Las Manzanas is grateful to Kiva investors for the loans they are giving. Thanks to these microloans they can move forward. They are aware that the economic situation in the country and around the world is difficult and are thankful that people trust them and are allowing them to boost rural development.

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
  • 107
    View loans »
    Guatemala Loans Fundraising
  • $10,803,625
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Manzanas Group's $5,925 loan helped a member to buy raw materials in bulk.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 18, 2013
Currency Exchange Loss:
Jul 17, 2014