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Marta Julia
Marta is a 26 year old woman. She is a widow and has a 5 year old son. They live in the area of Cojolyá (“between the river" in the Cakchiquel language), El Calvario neighborhood, Sololá.

She works doing housework in other people's homes and is paid. The need to support herself and her son has led to her doing this work. Despite the difficulties she faces day to day. She has every desire to work as much as possible and improve her quality of life. That is why she wants to do home improvement where she lives right now.

She is asking for a loan of Q 2,500.00 to buy cement, lime and iron rods to change the roof on her house. She dreams of doing home improvement little y little and also putting all of her efforts into helping her son go to school and be prepared for the future.
View original language description ↓
Marta es una mujer de 26 años de edad, viuda, tiene un hijo de 5 años de edad; ellos viven en Sector Cojolyá (“entre el río” en idioma Cakchiquel), Barrio El Calvario, Sololá.
Ella se dedica a oficios domésticos, trabajando en hogares de otras familias y por lo cual recibe una remuneración económica. La necesidad de brindarle sostenimiento tanto a su hijo como a ella misma ha hecho que ella se dedique a esta actividad. A pesar de todas las dificultades que ella afronta día a día, ella tiene todo el deseo de esforzarse a lo máximo y mejorar su calidad de vida. Es por ello que quiere mejorar las condiciones de la vivienda donde actualmente vive.
Ella solicita un préstamo de Q 2,500.00 para compra de cemento, cal y hierro para cambiar el techo de su vivienda.
Sueña con mejorar las condiciones de su vivienda en forma progresiva y también hacer todo el esfuerzo para apoyar a su hijo a estudiar y prepararse para el futuro.

Additional Information

More information about this loan

ADICLA's youth entrepreneurship loans allow young people without prior credit histories to borrow in groups, an opportunity that is not offered by many other microfinance institutions in Guatemala. The loans will be used to help them start small businesses.


ADICLA (Association for the Holistic Development of the Basin of Lake Atitlán) is nonprofit rural community development association that provides small loans and services to improve quality of life in two of the poorest regions of Guatemala, home to large indigenous populations. Kiva funding will be used to support three innovative credit initiatives: youth business loans, green loans, and smaller loans to help ADICLA move down-market and serve poorer clients.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Guatemala

  • $5,300
    Average annual income
  • 58
    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 loan of $325 helped Marta Julia to buy cement, lime and iron rods to change the roof on her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 20, 2013
Currency Exchange Loss:
Jul 17, 2014