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Emanuel Tonala Group
In this Group: Maria Luz , Celia Catalina , Graciela Alejandra , Ovando Raudy , Heidi Noemi
Maria Luz is 30 years old, divorced, and completed secondary school. She has one son who is in school. She works selling costume jewelry. She started this business with the support of her parents because she needed to generate income for herself and her son. She now has five years of experience. She counts on the support of her parents.

She organized a group and requested a loan to purchase and stock her merchandise for sale. She hopes in the future to make her business more well-known and established. It will be stocked every day and earn more profits. The other group members work as merchants.
View original language description ↓
La señora Maria Luz es divorciada, tiene 30 años de edad, de escolaridad secundaria completa, tiene 1 hijo que esta estudiando, ella se dedica a la venta de bisuteria, inició este negocio con el apoyo de sus padres y por la necesidad de generar ingresos económicos para ella y para su hijo; hasta la fecha lleva 5 años de experiencia. Cuenta con el apoyo de sus padres.

Organiza un grupo y solicita un préstamo que lo utilizará para comprar y surtir mercadería para la venta, desea en el futuro ver su negocio reconocido y bien establecido y surtido cada día y obtener mejores ganancias. Las demás integrantes del grupo se dedican al comercio.

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
  • 72
    View loans »
    Guatemala Loans Fundraising
  • $12,593,650
    Funds lent in using Kiva
  • 7.9
    Guatemala Quetzales (GTQ) = $1 USD