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Las Estrellas De Xenacoj Group
In this Group: Maria Juana Concepcion , Adela , Mayna Veronica , Griselda Hermenegilda , Juana Cruz , Anselma , Maria Victoria *, Teresa
* not pictured
Las Estrellas de Xenacoj (the Stars of Xenacoj) Trust Bank consists of eight women from Santo Domingo Xenacoj Guatemala. The women are on average 36 years old, and they are engaged in a range of activities such as: purchasing and selling traditional clothing, growing and selling agricultural products, selling snacks, and weaving Guatemalan textiles. Out of the eight women in the group, six never received any formal education, and only two have finished high school.

One of the farmers among the group is Anselma who is 34 years old and has four children (three boys and a girl). Although Anselma never went to school, she is a hard worker and has a strong desire to succeed and build a better future for her children. She and her husband have been farmers for several years, and currently cultivate 10 acres of land.

Anselma is requesting a new loan from Friendship Bridge in order to obtain additional working capital in maintain their land. They will use this loan to buy seed in order to plant green beans and to purchase fertilizers. Their farm has been so successful that they have hired three full-time employees. Anselma and her husband make product deliveries to an export company every two days, so employing help ensures that the farm maintains high levels of productivity and efficiency. This dedication to quality products continues to generate a steady income for the family.

"I am very anxious to receive this new loan to continue cultivating green beans. Our business feeds us, and also helps us to provide education to our children. I am happy because one of my children is starting middle school and the other one is in sixth grade. My husband and I appreciate the support we have received so far, and I hope to continue (with Friendship Bridge and KIVA) for a long while," explains Anselma.

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
  • 56
    View loans »
    Guatemala Loans Fundraising
  • $12,573,175
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Estrellas De Xenacoj Group's $2,950 loan helped a member to buy seeds to plant green beans and to purchase fertilizers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Aug 4, 2013
Currency Exchange Loss:
May 17, 2014