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José Miguel
José is a married, 31 year old man. He lives with his wife and their three children, aged 8, 5 and 3, in the Sololá department. He says that he has two jobs. One of them is as a bricklayer, which he does in the morning. The other is as a waiter in a restaurant in the afternoon. He opted to do these two activities because his father taught bricklaying to him when he was young and the other activity because he took classes on waiting tables.

Now he was several years' experience in both activities, but he has taken the initiative of asking for a loan of Q 6,000.00 to invest in a bread bakery business in order to improve his financial situation and thus contribute to his family budget. He will pay for the loan with the income from his two jobs. His dream is to generate income through the bread bakery and in this way improve his family's quality of life.
View original language description ↓
José es un señor casado de 31 años de edad, actualmente vive con su esposa y sus tres hijos de 8,5 y 3 años en el Departamento de Sololá.
Comenta que se dedica a dos trabajos, uno es de albañil que lo realiza por las mañanas y el otro es de mesero de un restaurante y lo realiza por las tardes. Eligió estas dos actividades porque su padre le enseño desde pequeño la actividad de la albañilería y la otra actividad porque recibió cursos de mesero.
Ahora cuenta con varios años de experiencia en ambas actividades, pero ha tomado la iniciativa de solicitar un préstamo de Q 6,000.00 para invertir en un negocio de una panadería con el fin de mejorar su situación económica y así aportar a la economía de su familia. El préstamo lo pagara con los ingresos de sus dos trabajos.
Su sueño es generar ganancias a través de su panadería y de esta manera mejorar las condiciones de vida de su familia.

Additional Information


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
  • 117
    View loans »
    Guatemala Loans Fundraising
  • $10,316,900
    Funds lent in using Kiva
  • 7.9
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped José Miguel to invest in a bread baking business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 7, 2013
Nov 22, 2013
Currency Exchange Loss:
May 17, 2015