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Xejuyu Concepcion Group
In this Group: Emilia , Dominga , Maria Magdalena , Martha , Catarina , Rosario , Santos
Conception Sololá, located in Western Guatemala, is known as a valley of indigenous people of Maya-Kakchiquel ethnicity. It is an agricultural area where men, women and children are growing good quality vegetables. The Friendship Bridge Trust Bank, “Xejuyu Concepción,” (meaning “Below the Haze of Conception”) has been located in this region for the last five years. The Trust Bank is composed of seven women who mostly work in agriculture as well as the manufacture of beaded jewelry and ornaments. Two other women have small shops for daily consumption items and a “tortilleria” where tortillas are freshly available three times each day.

Rosario is the 33 year old mother of 5 children. Sadly, she became a widow one year ago when her husband suffered an accident and died. So, Rosario became both mother and father to her children and needed to spend more time and energy for her agricultural business. Rosario is in her third loan cycle with Friendship Bridge. She states, “I was relieved when I knew I could get micro-loans through Friendship Bridge because it is not easy for other institutions to give loans to widows, and even less if that woman is a farmer." Rosario is currently applying for a new loan, which she will use to buy seeds to grow potatoes, onion, carrot, as well as fertilizers.

Both Rosario and the rest of the ladies in the Trust Bank want to share that being a part of the “Xejuyu Concepcion” as united them even more. Previously, they were just neighbors but now they are friends, companions, confidants and much more. They support each other and practice solidarity. The women want to express their thanks to KIVA investors because without this vital financial support, they would be unable to grow and empower themselves. The benefits trickle down to their families and their community as well. It is a “win-win” situation!

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
  • 110
    View loans »
    Guatemala Loans Fundraising
  • $11,638,450
    Funds lent in using Kiva
  • 7.9
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Xejuyu Concepcion Group's $3,500 loan helped a member to buy seeds to grow potatoes, onions, carrots, as well as fertilizers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 21, 2013
Nov 26, 2013
Currency Exchange Loss:
Oct 17, 2014