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Girasoles Group
In this Group: Carina, Francisca , Reyna Isabel , Vicenta , Celestina *, Ana Maria , Yohana Aurelina
* not pictured
Girasoles (Sunflower) Trust Bank was formed five years in San Juan Ostuncalco, a small village outside of Quetzaltenango, which is located in the western highlands of Guatemala. The seven women members of the Trust Bank are all neighbors and have known each other for many years. Each member makes the hour-long trip each way to the Quetzaltenango market on a weekly basis to buy goods and materials for their businesses and, ultimately, to sell their products. This is the fifth loan for the Sunflower Trust Bank, and all previous loans were paid on time and in full.

Vicenta Marroquin, named after her grandmother, is 28 years old and has three young girls.She has been an active member of the Sunflower Trust Bank since its inception. Vicenta is a seamstress and creates colorful traditional Mayan clothing, a craft she learned as a child from her aunt. Through previous loans from Friendship Bridge, Vicenta started a bakery business, with two other Trust Bank members more than a year ago. She plans to split her current loan between her two business, using half to buy additional thread and cloth and the remaining amount to buy powder, sugar, and other baking goods. It is Vicenta’s dream to own her own bakery. She feels that it is a blessing that lenders around the world have shown such kindness to help her and her fellow Sunflower Trust Bank members.

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
  • 112
    View loans »
    Guatemala Loans Fundraising
  • $11,638,450
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Girasoles Group's $2,200 loan helped a member to buy more fabric, thread, flower and sugar for her two businesses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 6, 2011
Dec 18, 2011
Currency Exchange Loss:
Jan 15, 2013