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Mujeres Productivas Group
In this Group: Silvia Marisol, Elvia Patricia, Maria Antonia, Lilian Elizabeth, Ana Rosario, Zenaida
The Mujeres Productivas group is located in Canton Siglo II of municipality Santa Cruz Mulua, in the department of Retalhuleu, Guatemala.

The group is composed of six hard working women who have know each other for many years. They all are involved in the buying/selling or production/selling of food. In the early educational sessions provided by Fundacion Namaste Guatemaya prior to getting a loan, the group has demonstrated that they are motivated and very interested in learning how to keep control of their expenses and sales. The group also mentioned that previously nobody has taught them how to improve their business. Therefore they are eager to receive Namaste's Business Adviser monthly visit to quantify their business metrics and help improve their profits.

Lilian is 40 years old, a widow and is raising two kids who are under 15 years-old and are going to school (in the picture, you can see her 4th from left). Lilian does not know how to read and write and is living far away from her family. While she was living with her husband and raising their family, he suddenly fell ill and ultimately passed from an unknown illness. They exhausted their savings on medical bills and were forced to sell all of their appliances to pay doctors and hospital bills. Widowed and broke with two kids to raise, Lilian moved to a place where she pays no rent and gets electricity from the owner. She started selling tortillas [corn flatbread] door to door and now she has a place to make them and sell them too. Until now, she has been producing the tortillas for lunch and dinner.

Her dream is to be able to have enough money to buy wood and corn in bulk because it is cheaper and now with the rainy season, dry wood is very difficult to find. With these supplies, she will be able to start producing tortillas for breakfast to meet her clients requests. She wants to learn how to manage her money and separate and save it in a way that she can start purchasing all of the appliances she was forced to sell when her husband got sick.

Her actual monthly profit is Q1,740 (US$228) and she works 170 hours per month (US$1.35 profit per hour). Her business plan is to increase her profit by 40% by adding an additional selling time and by purchasing dry wood and corn in bulk.

Additional Information

More information about this loan

In addition to a micro-loan, through its Business Development Program, Fundacion Namaste Guatemaya, provides its borrowers with the business support that will help their enterprises grow. 

Namaste provides financial literacy, business education, cash flow analysis, and opportunities for entrepreneurs to to share experiences and best practices. The capstone of their model are Business Advisors that provide each borrower with one-on-one mentoring.

Namaste measures it success through the increase in profits of its borrowers. Of the more than 900 Namaste borrowers who have completed the business development program, on average their profits increased by 41%.  Namaste clients are averaging USD2.50 per hour vs the Guatemala minimum wage of UDS1.00. 


About Fundacion Namaste Guatemaya

Fundacion Namaste Guatemaya (Fundacion Namaste) is a non-profit organization in Guatemala that focuses on empowering women with microloans and mentoring. Its flagship program is the Namaste Business Development Program (NBDP), which combines personalized mentorship, financial literacy and customized microloans to help women entrepreneurs formalize their business models and increase their profits.

To date, approximately 1,000 women have completed the NBDP program, and over 500 women are actively enrolled. Kiva lenders’ funds enable Fundacion Namaste to reach even more women in Guatemala, particularly in rural and idigenous communities.

Fundacion Namaste joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

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
  • 39
    View loans »
    Guatemala Loans Fundraising
  • $12,391,125
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres Productivas Group's $1,000 loan helped a member buy corn buy bulk and dry wood to improve her production/selling hours.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 14, 2013
Jun 24, 2013
Currency Exchange Loss:
Mar 17, 2014