A loan of $3,550 helps a member to buy one industrial stove and several large pots.


El Chical Group's story

Zulma, 44, is one of the few lucky women who graduated from college. She had the experience of working for several years. Zulma is married and the mother of two children (ages 13 and 21) who attend high school and college.

Five years ago, Zulma stopped working and decided to open her own regional food business. At the moment, she delivers the food at home and takes the opportunity to promote and sell her product through social networks such as Facebook and WhatsApp. As her sales are increasing, Zulma needs to acquire new work tools. She plans to invest the first Kiva loan to buy one industrial stove and several large pots.

Zulma is president of the Communal Bank of Puente de Amistad “El Chical” located in the Department / State of Retalhuleu. She and six other women learn about effective business practices such as planning, budgeting, investing, and saving that help them with their dairy, second-hand clothing, regional food, and personal-catalog businesses. Women also learn to take care of their families more effectively: health, hygiene, nutrition, covering themselves with a mask and social distancing to avoid the spread of coronavirus. The combination of loans, education and health services is called "Microcredit Plus".

By receiving the Kiva loan, women like Zulma will be ready to move towards a brighter future. Thank you!

In this group: Lenly Zugey , Jackelyn Faviola , Maria Virginia , Zulma Judith , Maria Del Rosario , Josefa Margarita , Dany Gabriela Carolina


This loan is special because:

Clients receive in-depth trainings on business, health, over-indebtedness, and self-esteem.

Patrick Flynn, Kiva staff

Patrick Flynn
Kiva staff



Loan details


Lenders and lending teams






Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.