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Flor Bella Vista Group
In this Group: Carmelita, Gertrudis, Gertrudis, Maria Leandra, Petronila, Susuna, Maria Magdalena, Juana Ester, Elena , Flora Concepción, Ana
Carmelita is 41 (she is third in the picture from left to right, wearing a light blue blouse) she lives in the San Pedro La Laguna municipality in the department of Sololá. She has 3 children, they are in elementary school and are all underage.
She sells food typical of the region since the place where she lives is a tourist destination and is visited by a lot of local as well as international people. With the income she earns she supports and helps her husband with the family expenses.
She is applying for a loan to invest in the purchase of kitchen utensils and materials for food production. She realized that organizing themselves as a group really facilitates things.
With her earnings, Carmelita aims to help her children to study and prepare themselves academically and also improve the quality of life.
View original language description ↓
Carmelita es una persona de 41 años de edad (es la que aparece de tercero en la foto de izquierda a derecha, viste blusa de color celeste) vive en el municipio de San Pedro La Laguna, departamento de Sololá, tiene 3 hijos, estudian nivel primario, todos son menores de edad, se dedica a vender comida típica de la región, ya que el lugar donde vive es un lugar muy turístico y es visitado por mucha gente local e internacional, con las ganancia que obtiene sostiene y ayuda a su esposo con los gastos de la familia, ella solicita un crédito para invertir en la compra de utensilios de cocina e insumos para la preparación de comida, ella se dio cuenta de que organizarse en grupo les facilita muchas cosas, con las ganancias Carmelita pretende ayudar a sus hijos para que ellos estudie y se preparen bien académicamente y también mejorar las condiciones de vida.

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.

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
  • 112
    View loans »
    Guatemala Loans Fundraising
  • $10,324,700
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Flor Bella Vista Group's $3,225 loan helped a member purchase materials for food production.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 26, 2014
Apr 24, 2014
Currency Exchange Loss:
Mar 19, 2015