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Josue Group
In this Group: Julisa Marisol , Debora Esther , Juana , Gloria Elizabeth , Maria Silvia Mariela , Maria Victoria , Heidy Damaris , Maria Santos , Ana Maria , Norma Elizabeth
The Trust Bank “Josue” is located in the outskirts of Quetzaltenango, Guatemala, in an agricultural area called Llanos del Pinal. The group was formed approximately two years ago and consists of 10 ladies, three of whom are new to the group. These hardworking women are engaged in various businesses including the manufacture and sale of traditional clothing, or the sale of embroidery thread used for the beautiful and traditional textiles of the region. Others are the owners of storefronts or involved with animal husbandry.

Ana is one of the new members of the Trust Bank. She is the 35-year-old mother of five children. She proudly tells us that four of them are in school. Since Ana became widowed two years ago, she has the sole responsibility of providing the basic needs to her children who range in age from 7 to 17.

Ana raises animals and currently has two dozen chickens and three pigs. She is able to generate an income for her family but wishes to grow her business. She is requesting a loan from Friendship Bridge that she will use to buy more chickens and four more pigs. With the loan, she will be able to purchase feed for fattening up the animals, which she will sell in the nearest market, 20 minutes from her community.

Ana says that this loan means a lot to her since it is the first time she has been able to secure a loan. She has learned a lot about effective business practices including how to budget and manage working capital so that she can make a profit and grow her business. She appreciates the encouragement and support of the other women in her Trust Bank.

In her own words, “I dream of a better future and I understand that it will not come along by itself. We need to work hard to make our dreams come true. I dreamed of having a business but I did not have enough capital. Now that I have a loan, I can work hard, earn an income, keep my children in school and have a better future.”

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
  • 48
    View loans »
    Guatemala Loans Fundraising
  • $12,568,650
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Josue Group's $4,025 loan helped a member to buy chickens and pigs.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 11, 2013
Jun 18, 2013
Currency Exchange Loss:
Apr 16, 2014