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Lucero De La Mañana Group
In this Group: Federica, Juana Luisa, Isabel Emiliana, Josefa, Micaela Florinda, Catarina Victoria, Isabel Carolina, Maria Victoriana, Canuta, Maria Magdalena, Antonia, Juana
Ms. Federica is a 45 year-old married woman. She did not have the opportunity to study at all. She has four children, three of whom are in school. She sells typical clothing and also sews aprons. She started off with her family's betterment in mind, and at this point she has eight years of experience. She counts on the support of her husband, who makes pants and aprons.

She has organized a group [named "Lucero de la Mañana" or "Morning Star" Group] with the goal of requesting a loan to increase her working capital. At this time, she would like to buy typical fabrics in order to continue producing more aprons to sell. The rest of the group members are engaged in various economic activities: clothing sales, food sales, a general store, sewing aprons and pants, sewing blouses, and animal husbandry.

In the future, Federica thinks that her business will be large and will include different products.
View original language description ↓
Doña Federica, es una señora casada, tiene 45 años de edad, no tuvo la oportunidad de estudiar, tiene 4 hijos, 3 de los cuales estan estudiando, se dedica a la venta de ropa típica y como también a la confección de delantales, inició pensando en su superación familiar y hasta el momento lleva 8 años de experiencia, ella cuenta con el apoyo de su esposo quien se dedica a la confección de pantalones y delantales.

Organiza un grupo con el objetivo de solicitar un préstamo que servirá para ampliar su capital de produccion, en esta ocasión para la compra de telas típicas para seguir produciendo mas delantales y poder comercializarlos; las demás integrantes del grupo se dedican a diversas actividades económicas: venta de ropa, alimentos, atención a tienda en general, confección de delantales y pantalones, confección de blusas y a la cianza de aniamales. En el futuro creen que su negocio sera grande y con diferente productos.

Additional Information

About Asociación ASDIR

ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.

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
  • 70
    View loans »
    Guatemala Loans Fundraising
  • $12,593,650
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Lucero De La Mañana Group's $2,950 loan helped a member to buy fabric for sewing aprons.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 4, 2011
Jun 8, 2011
Currency Exchange Loss:
Mar 15, 2012