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Fredy Celestino
Fredy is a single 24-year-old man, living with his parents and siblings in the village of Panimatzalam San Andres Semetabaj, in Sololá. He is a hard-working man who strives for his family's well-being.

Currently, he has an internet business a few meters away from his home. He chose this activity because where he lives, there is no internet service, so he took this initiative to be able to help students complete their homework without having to leave the community. Thanks to his efforts, he can now contribute to his family's expenses, as his business provides him with good income and earnings.

He is requesting a loan of 9,000 quetzales to expand his business and generate greater earnings, and provide a greater variety of computing products to offer better service to his customers. His dream is to earn enough to purchase more computers and open another business, with the goal of improving his family's living conditions.
View original language description ↓
Fredy es un joven soltero de 24 años de edad, vive junto a sus padres y hermanos en la Aldea Panimatzalam San Andres Semetabaj, Sololá.
El es un hombre trabajador que lucha por el bienestar de su familia. Actualmente cuenta con un internet a unos metros de su vivienda. Eligio esta actividad porque donde vive no hay un servicio de internet, es por ello que tomo la iniciativa para poder ayudar a los estudiantes a que realicen sus diferentes tareas sin tener que salir fuera de la comunidad.
Gracias a su esfuerzo el ahora puede ayudar a su familia a contribuir en los gastos, ya que su negocio le genera buenos ingresos y ganancias.
El está solicitando un préstamo de Q 9,000.00 para ampliar su negocio y generar más ganancias y así tener contar con más variedades de productos de cómputo para ofrecerles un mejor servicio a sus clientes.
Su sueño es generar más ganancias para comprar más computadoras y así abrir otro negocio, con la finalidad de mejorar las condiciones de vida de 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
  • 40
    View loans »
    Guatemala Loans Fundraising
  • $12,391,125
    Funds lent in using Kiva
  • 7.9
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Fredy Celestino to expand his internet service business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Sep 15, 2013
Currency Exchange Loss:
Mar 19, 2015