A loan of $3,200 helped a member to purchase additional items for the inventory including oil, sugar, pasta, drinks, and other basic items.


Rayito De Luz Group's story

The Friendship Bridge Trust Bank “Rayito de Luz” or “Little Ray of Light” is located in the community of Olintepeque in the western highlands of Guatemala. It is composed of nine enthusiastic women who are requesting a loan from Kiva investors. They will use the funds to grow their businesses and use the income to meet the needs of their families. Their ultimate goal is to improve their quality of life and to eliminate poverty.

Doña Maria, the 32-year-old Treasurer of the group, has five children who range in age from 5 months to 16 years of age. Four of her children attend a local school. Doña Maria has a convenience store where she sells items for daily consumption. It has grown a lot in the past few years because of the previous loans she has received. She is requesting a new loan to purchase additional items for the inventory including oil, sugar, pasta, drinks, and other basic items.

As is the case with many of the ladies in the Trust Bank, Doña Maria has had only one year of formal education. She has taught herself to read and write and methodically carries out her duties as Treasurer. She has been greatly helped by the monthly educational trainings given by a Friendship Bridge Loan Officer on subjects like effective business practices, the prevention of over-indebtedness, customer service, and the value of children’s education.

Each of the women in the “Rayito de Luz” Trust Bank has a ray of hope for their future. They have already met some success in their businesses and look forward to continuing the journey as empowered women eliminating poverty. They are most appreciative of Kiva investors for believing in them and generously helping them out with their loans!

In this group: Floridalma Yolanda , Maria Clemencia , Sebastiana Leticia , Lucia , Sintia Adelaida , Rosario , Maria Antonieta



Loan details


Lenders and lending teams




Loan details