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Femenil Group
In this Group: Cristina Manuela , Anastasia , Jacinta , Juana , Silvia , Petronila , Tomasa , Tomasa
The rural community of Xeabaj in the department of Chichicastenango, Guatemala is a lush green area filled with corn fields and thick forests. The pleasant smell of pine perfumes the air. This is the setting where eight women united to form a Friendship Bridge Trust Bank called “Femenil” meaning “female”. Most of the women are 29 years old, and each has a tremendous desire to excel in order to support their families and their community. They are eager to begin their third loan cycle, which will be funded by KIVA investors, with Friendship Bridge. The amount requested will be used in their businesses which range from animal husbandry, small stores for daily consumption, textile production, and the creation of beautiful, embroidered handmade items.

Petronila is one of the younger members of the Trust Bank. She is 19 years of age and has two children. Because of the scarcity of financial resources, she was unable to continue her education past the third grade. Like the other members of her Trust Bank, she knows that education is a vital key to a successful future and looks forward to watching her children attend school in the future. Petronila raises animals and also owns a small store for daily consumption items. She needs more items on the shelves of her store. She approached Friendship Bridge for a new loan of $615 which she will use to buy more sugar, rice, noodles, pasta, bread, oil, and water. In addition, she will purchase feed for the eleven turkeys that she is raising. She is most grateful to be a member of the “Femenil” Trust Bank for the working capital that is as necessary for her success as a business woman.

The women of the Trust Bank meet once each month with a Loan Officer or “Facilitadora” from Friendship Bridge. They not only make payments on their loans but also receive valuable trainings on subjects like women’s and children’s health and nutrition, family planning, money management and savings, women’s rights and self esteem. The ladies send many blessings to KIVA investors and gratitude for funding their loans.

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
  • 72
    View loans »
    Guatemala Loans Fundraising
  • $12,593,650
    Funds lent in using Kiva
  • 8.0
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Femenil Group's $4,375 loan helped a member to buy sugar, oil, pasta, rice, and more inventory for her store.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 22, 2013
Nov 3, 2013
Currency Exchange Loss:
Aug 17, 2014