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Los Toles Group
In this Group: Josefa , Manuela , Micaela , Tomasa , Cristina , Isabel , Sebastiana , Rafaela , Juana
The Trust Bank, “Los Toles”, is located in a rural area of Quiche, in western Guatemala. It is composed of nine women who are amazed that there are kind people from other parts of the world who generously supply capital for small loans.

Josefa is one of these ladies. She is a 30-year-old mother of five children. Her youngest is six months of age and the oldest is 13 years old. Josefa got married when she was 17 years old and a few years ago, she noticed that her husband’s income was not enough for a large family.

Josefa has been a weaver since she was a child and learned this skill from her own mother. She has always made her own clothes. She decided that she would create an additional business to generate income. Josefa began to raise animals and currently has seven goats and fifty chickens. She realized that she needed a lot more funds to properly feed her animals and approached Friendship Bridge for a loan of USD 640. Josefa also would like to purchase two dozen additional chickens. With any remaining funds, she will buy more thread for her weaving business.

Josefa is quite proud of her achievements and tells us with a smile, "My opportunities were few when I was younger. Today, I realize that a loan can be most beneficial if we know how to manage it. In our monthly trainings with Friendship Bridge, we learn about effective business practices and management, as well as self-esteem, nutrition, and women’s health.”

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
  • 40
    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 Los Toles Group's $4,300 loan helped a member to buy animal feed and two dozen chickens.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jul 1, 2013
Currency Exchange Loss:
Jun 17, 2014