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Santa Maria Group
In this Group: Natividad Del Carmen Junay , Norma Irene , Marlene Violeta , Teresa Elizabeth , Edly Zamara , Beronica Elizabeth , Justa Maricela , Mirta Alicia , Maria Teresa , Natalia Cristobalina, Sayda Ninet , Maria Elena , Karen Yesenia
The rural community of Santa Maria is just outside of the second largest city in Guatemala, called Quetzaltenango. A Friendship Bridge Trust Bank named Santa Maria is located here and is composed of thirteen animated and strong women. They have collectively decided to apply for a new loan with Friendship Bridge.

The ladies work in various commercial ventures, including the sale of food (chicken, meat, fruit, vegetables, bakery items, pastries and tortillas), medicine, clothing, including lingerie, the sale of firewood, as well as catalogue sales. The women are quite industrious and motivated.

Elena is a 39-year-old member of the group. She has four children. Both Elena and her husband work in their bakery and sell pastries and bread. They have two locations, one of which belongs to them, while the other is a rented one. The couple works arduously seven days each week.

Elena is starting her second loan cycle with Friendship Bridge. She plans to use the funds to purchase ingredients like flour and eggs. There is a high demand for the bakery items, including bread and cakes, and so Elena is planning and budgeting carefully.

Elena and the other women in the Santa Maria Trust Bank feel blessed and grateful to have businesses where they can improve their quality of life. They are most grateful to Kiva investors who have generously funded their loans. The Microcredit Plus Program of Friendship Bridge does more than make funds available for clients. Each month, the women meet with a loan officer from Friendship Bridge. Besides making payments on their loans, the ladies receive educational training on relevant subjects like effective business practices and money management, nutrition and health, as well as children’s and women’s rights. This month’s topic was about leadership and women’s identity, where the women learned about discrimination and self-esteem.

The thirteen women of the Santa Maria Trust Bank look forward to a brighter and more prosperous future for themselves, their families and their community. Empowered by their educational training and loans, they step into the next chapter of their lives with confidence and determination! Thank you, Kiva investors!

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
  • 76
    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 Santa Maria Group's $5,650 loan helped a member to purchase ingredients like flour and eggs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2014
Feb 24, 2014
Currency Exchange Loss:
Mar 17, 2015