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Luz Y Vida Group
In this Group: Zoila, Dora, Gloria, Gloria, Ingrid, Miriam, Elsa, Maria, Dora, Martha, Agustina, Maria
View original language description ↓

The communal bank of "Light and Life" is the first of its kind in the district of Chicacao in Suchitepequez. The members of this group are very proud to be part of it, and they are very happy that they have been able to keep the group unified, responsible and with good credit after 10 loans. The Friendship Bridge is very proud to have this group in their team.

When I entered the house of Doña Zoila A., our meeting place, I noticed that this group was very mixed. There were a combination of Indigenous and Ladina (Indigenous and Spanish) women. This combination gives the group a very special characteristic since each member brings different aspects from their cultures. Not only that, but there are many types of businesses that these women are doing. In this group, we will find women who will use their loan to raise animals, to purchase inventory for convenience stores, beauty salons, to sell pork meat, to sell hot dogs and refreshments and to run a funeral parlour. Due to the variety of businesses, there is also a variety of personalities in this group such as women who are strong, brave, conservative, extroverts or shy. Even though, there is a lot of variety within the grup, they are still very unified.

The women of "Light and Life" like the idea of working through communal banks because they feel that it unifies the women and motivates them. They also believe that it creates leadership within the group since problems are resolved through the board of directors. Last but not least, they love to work with the Friendship Bridge due to the low interest rates and for all the support they give to all the women in Guatemala.

The dream of all these women is to expand their business and to be profitable. Others want to be able to send their children to college. These women have already made a lot of progress, but they hope for more . They want for their families to be taken care of and to be successful in life, this is why we must help them!

Translated from Spanish by Carolina Zelaya-Kronlund, Kiva Volunteer.

El banco comunal Luz y Vida es el primer banco formado en el distrito de Chicacao, Suchitepequez. Las integrantes de este grupo se sienten realmente orgullosas de ello y no solo de eso. Ellas se dignan de haber sido capaces de mantener un grupo unificado, responsable y cumplidor a lo largo de diez préstamos. The Friendship Bridge también se siente orgulloso de tener este grupo en el equipo.

Al entrar a la casa de doña Zoila A., el lugar de reunión, me di cuenta que este grupo era muy variado. Uno encontraba una combinación de mujeres indígenas y ladinas. Esta combinación le daba al grupo una característica especial al grupo ya que las integrantes llevan consigo los aspectos especiales de sus culturas. No solo eso, sino que también había una variedad de negocios. En este grupo podemos encontrar mujeres que van a invertir su crédito en crianza de pollo, tiendas de consumo diario, perfumería, peluquerías, venta de carne de marrano, venta de hot dogs y gaseosas y una funeraria. Debido a esta variedad, uno podía encontrar distintas personalidades dentro del grupo tales como mujeres aguerridas, valientes, conservadoras, extrovertidas o un poco tímidas. Sin embargo, a pesar de esta variedad la unión del grupo es inigualable.

A las mujeres de Luz y Vida les gusta trabajar bajo la metodología de bancos comunales porque ellas sienten que este estilo de trabajo promueve unidad entre las señoras. Además, creen que promueve liderazgo dentro del grupo ya que cualquier problema es avocado a la junta directiva. Finalmente, a ellas les gusta trabajar con The Friendship Bridge por los bajos intereses y por el apoyo constante que la institución da a las mujeres guatemaltecas.

El sueño de muchas de estas clientas es que su negocio se vuelva sostenible y así ya no tengan que depender de una deuda para poder mantener su negocio. Otras quieren que sus hijos se gradúen del colegio y de la universidad. Estas señoras ya han logrado mucho, sin embargo ellas aspiran a más ¡Ellas quieren que sus familias salgan adelante junto con ellas, es por eso que las tenemos que apoyar!

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
  • 52
    View loans »
    Guatemala Loans Fundraising
  • $12,573,175
    Funds lent in using Kiva
  • 7.6
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Y Vida Group's $3,675 loan helped a member to purchase food supply and refreshments and to raise animals such as pigs and chickens and to run a funeral parlour.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 11, 2008
Mar 27, 2008
Currency Exchange Loss:
May 22, 2009