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Ramiro is a single, 26 year old man who today lives with his parents in Caserío El Rosario Sololá, Sololá. He is a friendly man and above all hard-working. He sells women's and men's clothing in the Sololá local market. He has had this business for 1 years and he receives his income and good profits that help him support his family.
He took the initiative because he realized that there was a strong demand for this kind of business, so he is seeking a Q 7,000.00 loan to buy clothing so he can better stock his business and expand it with the goal of providing better service to his customers and improve his profits.
He dreams of building his home with his earnings, and in this way provide a better quality of life for his family.
View original language description ↓
Ramiro es un hombre soltero de 26 años de edad quien actualmente vive junto a sus padres en el Caserío El Rosario Sololá, Sololá.
Es un hombre amable y sobre todo trabajador, el se dedica a la venta de ropa de vestir para caballeros y damas en el mercado local de Sololá. Desde hace 1 año viene realizando este tipo de negocio en el cual obtiene ingresos y ganancias buenas que le ayudan aportar a la economía de su familia.
El tomo la iniciativa porque se dio cuenta que existe una fuerte demanda en este tipo de negocio, por lo que está solicitando un préstamo de Q 7,000.00 para la compra de ropa de vestir ya que de esta manera el podrá surtir más su negocio y ampliarlo con el propósito de brindarles un mejor servicio a sus clientes y mejorar sus ganancias.
Sueña con construir su vivienda a través de sus ganancias, y de esta manera brindarle una mejor calidad de vida a su familia.

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 Guatemala

  • $5,300
    Average annual income
  • 62
    View loans »
    Guatemala Loans Fundraising
  • $12,393,850
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Ramiro to buy clothing.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 10, 2013
Jul 23, 2013
Currency Exchange Loss:
Jul 17, 2014