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La Ceiba Us Group
In this Group: Raymunda , Carmelina , Virginia, Marcial , Juliana , Camila , Anastacia , Ilda , Obdulio , Teresa Jesus , Santos , Santos Monica , Miriam Elizabeth , Vicenta , Petronila , Isabel , Ana Cristina , Modesta , Yovani
Sra. Raymunda is a 35-year-old single mother who finished her primary school education. She has five children, all of whom are studying. Raymunda is a farmer who specifically grows cardamom. She started this business after her parents taught her this trade and now she has 10 years of experience as well as the support of her family.

Raymunda organized a group so that she could request a loan. The money will be used to pay her workers who harvest the cardamom. In the future, she wants to have more capital so that she can expand her cardamom crop and generate better earnings.

The other group members also grow cardamom. There are 21 people who appear in the photograph, but only 19 of them are participating in the loan.

View original language description ↓
La señora Raymunda es madre soltera, tiene 35 años de edad, curso en la esceula primaria completa, tiene 5 hijos y los 5 estan estudiando, se dedica a la agricultura, específicamente a la siembra de cardamomo, inició este negocio por la enseñanza de sus padres y hasta el momento lleva 10 años de experiencia, cuenta con el apoyo de su familia.

Organiza un grupo y solicita un préstamo que le servirá para el pago de peones para la cosecha de cardamomo, desea en el futuro proximo poder tener un capital gande para ampliar su cultivo de cardamomo y obtener mejores ganancias. Los demás integrantes del grupo se dedican a la siembra de cardamomo. En la fotografía aparecen 21 personas pero, solo a 19 se les concedió el préstamo.

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
  • 63
    View loans »
    Guatemala Loans Fundraising
  • $12,593,650
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of La Ceiba Us Group's $5,175 loan helped a member to pay her workers who harvest cardamom.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 15, 2013
Aug 6, 2013
Currency Exchange Loss:
Aug 30, 2014