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Luz Divina Group
In this Group: Lucia Ventura , Ana , Sebastiana , Tomasa , Sebastiana , Jeronima , Isabel , Juana Francisca , Rosa , Isabela , Virgilia Manuela
“Divine Light” or “Luz Divina” is the name of the Friendship Bridge Trust Bank located in rural Chichicastenango, Guatemala. The group, consisting of eleven women, was formally established two years ago. The ladies are applying for their second loan with Friendship Bridge. They are committed, enthusiastic and happy at the thought of additional capital to maintain and expand their businesses!

Sebastiana is the 32-year-old President of the Trust Bank; she has had two years of formal education, and is the mother of three children. Sebastiana fabricates beautiful bracelets with colorful beads. She is able to fill orders from current clients and is looking for additional clients at this time. Her husband helps her by selling her bracelets in fairs and bazaars along with glasses and hats. Sebastiana is applying for a new loan to purchase additional quantities of beads and beading materials. She shares with us that making bracelets is profitable and she is pleased to have this vital income. Her first priority is the education of her children as she realizes that education is a vital key to a successful future. She is happy that each of her children is enrolled in school.

Sebastiana and her fellow Trust Bank members learn a great deal in their monthly meetings with a loan officer from Friendship Bridge. Some of the topics covered include children’s education, women’s rights, business management, health, and self-esteem. Sebastiana smiles when she shares that “she and her children are learning together!”

All of the women of the “Luz Divina” Trust Bank express their gratitude to all KIVA investors who believe in them and invest through KIVA to Friendship Bridge. The combination of small loans and non-formal education is powerful and paves the road to a more successful and empowered future for these women, their families and their 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
  • 77
    View loans »
    Guatemala Loans Fundraising
  • $9,917,275
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Divina Group's $2,800 loan helped a member to purchase additional quantities of beads and beading materials to make bracelets.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 21, 2014
Jan 25, 2014
Currency Exchange Loss:
Nov 17, 2014