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Panimatzalam Ii Group
In this Group: Elva Maria, Maria , Sandra Isabel, Marta Lidia, Floricelda Guadalupe, Lucia Cristina
Elva Maria is 26 years old (she is the one in the photo that is at the end in the back, wearing the light blue top and white sweater, from left to right). She has two children; the first is five years old, the second is three years old and they do not attend school yet.

Elva Maria makes a living growing sweet peas, and because she has a safe buyer, she loses almost nothing from her crop and he gives her a better price than at the market. She has been farming for eight years, and she is a hard-worker because she makes the most out of a small plot of land to do this work, which is on her property. In addition to growing sweet peas, she grows corn, beans, flowers and she sells traditional clothing.

Elva Maria needs a loan to buy supplies (seeds, organic fertilizer, chemical fertilizer, fertilizers absorbed through the plant leaves and insecticide among other items) to grow the sweet peas. With the earnings, Elva Maria is thinking of building a house for a better life and to support her children so they go to school.
View original language description ↓
Elva Maria tiene 26 años de edad, (es la que aparece en la foto de último de la fila de atrás, de blusa celeste y suéter blanco, de izquierda a derecha), tiene dos hijos; el primero tiene 5 años de edad, el segundo tiene 3 años de edad, todavía no asisten a la escuela, Elva Maria se dedica a cultivar arveja china, cultiva arveja china porque tiene un comprar seguro y casi no pierde nada de su cosecha y le paga un mejor precio que en el mercado, lleva 8 años de estar cultivando, es bien trabajadora porque aprovecha una pequeña parcela para realizar esta actividad y es de su propiedad, además de la arveja china, ella cultiva maíz, frijol, flores y vende ropa típica, Elva Maria necesita un crédito para comprar insumos (semilla, abono orgánico, abono químico, foliares e insecticida entre otros) para el cultivo de arveja china, con las ganancias Elva Maria piensa construir una casa donde vivir mejor y apoyar a sus hijos para que estudien.

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
  • 103
    View loans »
    Guatemala Loans Fundraising
  • $10,349,100
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Panimatzalam Ii Group's $2,000 loan helped a member to buy supplies to grow sugar peas.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 26, 2014
Jul 4, 2014
Currency Exchange Loss:
Jul 17, 2015