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Emmanuel De Joya Group
In this Group: Candelaria , Manuela , Maria , Martina , Dominga , Dominga , Maria , Santos , Maria De La Cruz , Rosario Lorenzo
Candelarria is a single mother. She is 31 years old and did not have the opportunity to attend school. She has three children and one of them attends school. She buys and sells typical articles of clothing, raises corral birds, and started this business 20 years ago to help her mother.

She belongs to a group and is asking for a loan to buy merchandise to stock her business. In the future she wants to have her own money to grow her business. The other members raise animals and are merchants.
View original language description ↓
La señora Candelarria es madre soltera. tiene 31 años de edad. no tuvo la oportunidad de estudiar. Tiene 3 hijos y uno de ellos va a la escuela. Se dedica a la compra y venta de cortes típicos y a la crianza de aves de corral. Inicio este negocio ayudando a su madre a vender y hasta la fecha lleva 20 años de experiencia.

Organiza un grupo y solicita un préstamo que lo utilizará para aumentar su capital de trabajo comprando mercadería para surtir su venta. Desea en el futuro contar con un capital propio y que su negocio crezca. Las demás integrantes del grupo se dedicana a la crianza de animales y al comercio.

Additional Information

About Asociación ASDIR

ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.

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
  • 107
    View loans »
    Guatemala Loans Fundraising
  • $11,643,150
    Funds lent in using Kiva
  • 7.9
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Emmanuel De Joya Group's $2,925 loan helped a member to buy merchandise.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 1, 2013
Nov 29, 2013
Currency Exchange Loss:
Oct 1, 2014