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Xexac Group
In this Group: Ana Maria, Isabel, Manuela, Manuela, Marta
Ana María (in the centre of the photo) is 32 years old, single, and has two children. She lives with her family in Nahualá, Sololá.

Ana María is a young woman with a great desire to get ahead in life. She earns her living growing and selling banana plants in the community where she lives. She inherited this business from her parents who passed on all their knowledge and experience to her. The money she earns provides Ana María with the income she needs to support her beautiful family. She enjoys the work because it is honest and benefits her community. She now has more than 17 years experience in this job.

Because she wanted to contribute to her community, Ana María decided to organize a group so they could help each other and improve their standard of living. She will use the loan money to buy supplies such as fertilizer and pay for labour to maintain her banana crops.

Ana María’s dreams are to produce more banana plants, increase her income, and provide her children with a good education.

View original language description ↓
Ana María (en el centro de la fotografía) es una señorita de 32 años de edad, soltera, tiene dos hijos, ella vive junto a su familia en Nahualá, Sololá.
Ella es una joven con muchas ganas de superarse y salir adelante, se dedica a la producción y venta de banano, esto bonita actividad lo realiza en la comunidad donde vive; esta actividad la heredó de sus padres, quienes se dedicaban a lo mismo y fue asi como le transfirieron todo el conocimiento y experiencia. Esta labor le genera a ella los ingresos necesarios para el sostenimiento de su hermosa familia. Ella comenta que le gusta esta actividad porque es honesta y con ella le sirve a su comunidad. Tiene más de 17 años de experiencia en esta actividad.
Con el objetivo de contribuir a su comunidad ella decidió organizar un grupo para ayudarse mutuamente con su compañeras y asi mejorar sus niveles de vida. Utilizará el préstamo para la compra de insumos (fertilizante y pago de mano de obra) para mantenimiento de las plantaciones de banano.
Ana María sueña con producir más banano e incrementar sus ingresos y asi brindarle educación a sus hijos.

Additional Information

More information about this loan


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.

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
  • 96
    View loans »
    Guatemala Loans Fundraising
  • $9,667,175
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Xexac Group's $6,225 loan helped a member buy supplies such as fertilizer and pay for labour.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
Jan 27, 2014
Feb 11, 2014
Currency Exchange Loss:
Feb 21, 2015