Village Banking Loan

Convenient Paths to Community Growth

Financial solution that not only nurtures thriving businesses but also strengthens entire communities.

Empowering Communities and Enabling Growth

We take pride by offering a financial solution that not only nurtures thriving businesses but also strengthens entire communities.

  • Communal Financial Support
    Access collective financial backing as part of a dynamic group, fueling community strength and economic empowerment.

  • Effortless Application Process
    Apply with our user-friendly website, ensuring you are well-informed about your options and requirements.

  • Trust and Motivation
    Engage in transparent communication, that will enhance your confidence in your journey.

Tailored for community prosperity

Experience the transformative power of financial support tailored to your community growth and prosperity.

  • Group Advantages: Accommodates groups with as few as 5 members, fostering collaboration and expediting the formation of groups, all while enhancing application approval prospects.

  • Competitive Interest Rates: With rates as low as 4%, we’re providing your community with affordable financial solutions prioritizing your financial well-being.

  • Convenient Group Meetings: Keeping things local is the key to community success, with meetings conveniently located near your homes and businesses.

  • Comprehensive Health Insurance: We go beyond financial support to provide an extra layer of protection with health insurance as your well-being is our top priority.

Unlock Financial Support with Ease

Qualifying is a straightforward process rooted in responsible lending and founded on fairness and transparency.

  • Age requirement: To embark on this financial journey, you must be 18 to 74 years. Your aspirations deserve the support they need at every stage of life.

  • Valid form of identification: Ease into the application process with a hassle-free experience by having valid form of identification ready.

  • Address Verification: Guarantee the accuracy of your address details through the confirmation of a utility bill.

  • Loan Officer: Achieve success by collaborating with our dedicated loan officer and providing the necessary information to quickly gain support.

Customer Success

“We are a family of dedicated artisans. FINCA Guatemala recognized our potential and through their belief in us, we’ve been able to procure top-quality materials which are the heartbeats of our craft. This timely support has not just fueled our businesses, it has transformed our lives. Today, our creations tell a story of resilience, unity, and hope. We are more than just artisans – we are a testament to what support and belief can achieve”. – The Chicua Group

Simple Steps to Start Your Journey

Unlock the potential to achieve your aspirations with just a few steps to secure your financial support.

  • 1

    Application and Group Formation: The process begins with a group of individuals with shared business interests or community objectives expressing interest in a village banking loan.

  • 2

    Needs Assessment and Loan Planning: FINCA’s loan officers meet with the group to understand your financial needs and aspirations. Together, you’ll assess the loan requirements, determine the amount needed, repayment terms, and business goals.

  • 3

    Group Training and Financial Education: The group undergoes specialized training sessions. These sessions cover financial literacy, business management, and the responsibilities associated with group loans, ensuring everyone is well-informed.

  • 4

    Loan Approval and Disbursement: Upon successful completion of training and thorough needs assessment, the loan application is submitted for approval. Once approved, the loan amount is disbursed to the group.

  • 5

    Group Monitoring and Support: FINCA’s team maintains regular contact with the group, providing support, guidance, and addressing any challenges they might face.

Start your application

Applying for a loan with us is a straightforward and convenient process


Frequently Asked Questions

A Village Banking Group Loan is a financial service provided by FINCA, designed for a group of individuals within a community. These groups receive loans collectively and support each other in business endeavors

Any group of individuals from a community, whether they are entrepreneurs, artisans, or community organizers, can apply for a Village Banking Loan

The loan amount is determined based on the individual needs of each member of the group. FINCA’s loan officers assess the group’s financial requirements and repayment capacity validated by each of the members to determine the appropriate loan amount

Repayment terms vary based on the group’s agreement with FINCA. Typically, groups have flexible repayment schedules tailored to their cash flow and business cycles

Village Banking Loans are designed only for collective use. Individual members cannot receive separate loans within the same group

Village Banking Loans can be used for various purposes, including expanding existing businesses, starting new ventures, funding community development projects, or investing in education and healthcare initiatives

Village Banking Loans are provided without traditional collateral requirements. The group members collectively guarantee the loan, fostering a sense of community responsibility

Once the loan is approved, the funds are disbursed collectively to the group. FINCA provides guidance to ensure the funds are utilized effectively for the group’s agreed-upon purposes

We understand that challenges can arise. The group is encouraged to communicate with FINCA’s loan officers so that solutions, such as restructuring the loan or providing additional support is timely explored. Members of the group are liable for their group members payments, that is why it is important to have strong group cohesion and community sense

We offer continued support to Village Banking groups, including access to additional funding based on their repayment history and ongoing needs. Additionally, we provide training, mentorship, and resources to help the groups thrive

We are always happy to talk!

Enter your phone number for call back from us.