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Cielo Group
In this Group: Maria Florinda , Maria Patricia , Maria Cristina , Sara Maribel , Maria Alejandrina , Maria Rosa , Venancia , Ofelia Clementa , Cornelia Cipriana , Gabriela , Maria Liliana , Nicolasa , Olga Marina , Maria Roberta
Rosa and her family live in the western highlands of Guatemala in a rural community called Llanos del Pinal. She is a 51-year-old married woman with five children who range in age from 13 to 29. The population in her area have small farms where they raise various crops as well as animals. Many of the women are seamstresses.

Rosa is a member of the Friendship Bridge Trust Bank “Cielo” meaning “Heaven”. She shares a dream of a better life with 13 other women in the group. The ladies work in textile production, and most of them also grow flowers and other agricultural products as well as raising animals.

As Rosa and her family have been farmers for several years, she decided it would be advantageous for her to increase the amount of land she cultivates. She joined the Cielo Trust Bank and secured her first loan. Currently she is in her sixth loan cycle and is eager to receive her latest loan request of $512. She will use the funds to buy seeds and fertilizer for the onions, lettuce, carrots and broccoli that are produced on the farm. These vegetables are then sold to wholesalers in a large market located about one hour away.

When the women involved in Friendship Bridge are asked about the future, they respond by saying they realize that education is the key to a better and more successful future. Rosa realizes how important it is in order for her children to live a more successful life. She knows they will learn to speak Spanish as well as her native dialect. Four of her children are currently in school, with two in high school on the weekends. In this way, the older children can work on the farm during the week.

Rosa and the other women of the Trust Bank Cielo are grateful for the support and trust of Kiva investors throughout the world. With a small loan and education, these hardworking ladies can sustain or grow their businesses, realize an increase in their earnings, empower themselves and eliminate poverty for their families and community.

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
  • 53
    View loans »
    Guatemala Loans Fundraising
  • $12,553,550
    Funds lent in using Kiva
  • 8.0
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Cielo Group's $6,225 loan helped a member to buy seeds and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Oct 24, 2013
Currency Exchange Loss:
Nov 17, 2014