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Flor De Manzana Joyabaj Group
In this Group: Josefa , Marta , Antonia , Natalia , Martha , Tomasa , Juana , Juana , Martina , Rosa , Juana , Lucia
Josefa is married and 58. She did not have the chance to go to school. She has five children, one of whom is a student. She is a farmer and grows corn and beans. She started her business with a small amount of capital and now has 30 years of experience. Her husband, also a farmer, is supportive.

She organized a communal bank to apply for a loan, which she will use to buy fertilizer, seed, and fungicides for her plantings. She wants to also plant vegetables in the future. The other group members plant corn, beans, French green beans, and Chinese peas.
View original language description ↓
La señora Josefa esta casada, cuenta con 58 años de edad, no tuvo la oportunidad de estudiar, tiene 5 hijos y de ellos 1 esta estudiando, se dedica a la agricultura, siembra maíz y frijol, inició este negocio con un capital pequeño y hasta el momento lleva 30 años de experiencia; cuenta con el apoyo de su esposo quien también se dedica a la agricultura.

Organiza un grupo y solicita un préstamo que lo utilizará pra la compra de fertilizante, semillas y fungicidas para sus cosechas, aparte de lo que siembra actualmente desea el en futuro sembrar hortalizas. Las demás integrantes del grupo se dedican a la siembra de maíz, frijo, ejote francesa y arbeja china.

Additional Information

About Asociación ASDIR

ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.

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
  • 110
    View loans »
    Guatemala Loans Fundraising
  • $11,645,975
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Flor De Manzana Joyabaj Group's $2,825 loan helped a member to buy agricultural supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jul 7, 2013
Currency Exchange Loss:
Apr 2, 2015