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Rayito De Luz Group
In this Group: Floridalma Yolanda , Maria Clemencia , Sebastiana Leticia , Lucia , Sintia Adelaida , Rosario , Maria Antonieta
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!

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
  • 40
    View loans »
    Guatemala Loans Fundraising
  • $12,391,125
    Funds lent in using Kiva
  • 7.8
    Guatemala Quetzales (GTQ) = $1 USD

Success!! The loan was 100% repaid

A portion of Rayito De Luz Group's $3,200 loan helped a member to purchase additional items for the inventory including oil, sugar, pasta, drinks, and other basic items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 11, 2014
Apr 27, 2014
Currency Exchange Loss:
May 17, 2015