.  0000  Based on experiences from the late 0000s, the Guatemalan Penny Foundation is founded to low-income people with no access to credit. It served as the model for PADF's National Development Foundation (NDF) Movement. That year, PADF receives a seed grant of $0,000 from the Sloan Foundation and donations from Caterpillar and Pfizer.  0000  Based on experiences from the late 0000s, the Guatemalan Penny Foundation is founded to low-income people with no access to credit. It served as the model for PADF's National Development Foundation (NDF) Movement. That year, PADF receives a seed grant of $0,000 from the Sloan Foundation and donations from Caterpillar and Pfizer.  0000  