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Carino Group
In this Group: Sofia , Ana Leticia , Maria Estela , Maria Angelina , Maria Juana , Maria Angela , Maria Beatriz , Maria Lidia , Elvira , Maria Florinda , Olga Marina , Elizabeth , Maria Florinda
The Friendship Bridge Trust Bank, “Carino” meaning “affection, love, sweetness”, is located in the rural area of Chuicavioc in the State of Quetzaltenango in the Western Highlands of Guatemala. In this area, most are involved with agriculture and animal husbandry, particularly in breeding bulls, pigs and chickens. A smaller portion of the population is involved in commercial activities such as buying and selling vegetables. Others are engaged in the weaving industry.

Maria Beatriz is the 31-year-old mother of five children. She, along with 12 other women, meet each month with their Trust Bank and a Friendship Bridge Loan Officer. During their meetings, they may make payments on their loans and participate in educational training on subjects like business administration and indebtedness, money management and savings, women’s health and family planning as well as self-esteem.

Maria Beatriz is an enterprizing merchant who purchases and sells potatoes on a daily basis. In the afternoon, she cleans houses. She is motivated to work hard because she wants her children to be successful in the future. She realizes that the key to success is education. Four of her children are in elementary school and the fifth one is in kindergarten. Currently, Maria Beatriz is starting her third loan cycle with Friendship Bridge. Her loan of $385 will help to launch her newest business endeavor which will be a “tortilleria” where she will make and sell tortillas. She plans to buy corn in bulk. Maria Beatriz looks forward to increased profits so that she will be able to purchase better food which in turn will lead to better health for her family.

The Trust Bank, “Carino”, appreciates the support and confidence of Kiva investors throughout the world. Because of these small loans, these women have a way to generate income, working with their husbands to support their families. For women who are single, divorced or widowed, the loans are essential. It is a true win-win situation which improves the lives of families and the well-being of their 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
  • 114
    View loans »
    Guatemala Loans Fundraising
  • $11,661,325
    Funds lent in using Kiva
  • 8.0
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Carino Group's $6,250 loan helped a member to buy corn to make tortillas for sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Oct 28, 2013
Currency Exchange Loss:
Nov 17, 2014