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Sicalbe Cuatro Group
In this Group: Fabiana, Celso, Felipa, Margarito, Rosalio
Sra. Fabiana, 31, is married. She never had a chance to go to school. She has 7 children, 4 of whom are in school now. She operates a corner store. She started the business with only a few products and very little capital, but she's managed to keep it going for 7 years. She and her husband, a farmer, rely on each other to cover their family's expenses.

Sra. Fabiana is a member of a community bank. She is applying for a loan to stock her store with products--bottled water, juices, snacks, dairy products, sugar, etc.--that she will resell. She wants to grow the business and open a larger store with a wider range of products. The other members of the community bank are merchants and farmers.
View original language description ↓
La señora Fabiana es casada, tiene 31 años de edad, no tuvo la oportunidad de estudiar, tiene 7 hijos 4 de los cuales están estudiando, se dedica a la atención a una tienda en general, inició este negocio con un poco de capital y pocos productos y hasta el momento lleva 7 años de experiencia, cuenta con el apoyo de su esposo quien se dedica a la agricultura.

Decide organizar un grupo para poder solicitar un préstamo que los utilizara para la compra de mas productos para la tienda: aguas gaseosas, jugos, golosinas, lácteos, azúcar, etc. Espera en el futuro tener una tienda grande con mas productos. Los demás integrantes del grupo se dedican al comercio y a la agricultura.

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
  • 66
    View loans »
    Guatemala Loans Fundraising
  • $12,393,850
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Sicalbe Cuatro Group's $1,450 loan helped a member to stock her corner store.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 20, 2011
Feb 1, 2012
Currency Exchange Loss:
Oct 16, 2012