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Las Perlas Group
In this Group: Marisol, Silvia, Ilsen, Victoria, Jessica, Terecita, Marcial, Maria Ingrid, Gladys, Janneth Marisol , Luis Fernando
This community bank consists of 11 members and it is on its fifth loan cycle. The directive board is as follows: Victoria B. C. is the president of the bank, elected unanimously by the group. She is 21 years old and lives in the Virgen D. Fátima neighborhood in a rented home with her husband Henry Balcázar and their two children, both of whom are still in school. Victoria works two jobs: one at the Sagardi restaurant and the other selling cosmetics, promoting the Yanbal line of products. Her goal is to invest in a fixed business. In other words to have her own salary. Gladyz M. Limachi D. T. is the treasurer of the bank. She was born in Paz Murillo but has lived in Santa Cruz for the past eight years. She lives in a rented home in the Bibosi D. la Guardia neighborhood with her husband Rolando and their three children. She has a business selling food, which she does from her home. Rolando works as a construction worker. Their dream is to buy their own home. Luis Frenando Irigyen Q. is the group's secretary. He is a young man of 19 with a strong desire to work. He was born in Andrés Ibáñez province and lives in his family's home. He makes a living selling cereals, and he wants to continue working until he completes his degree because his parents don't have the resources to support him economically.
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Este banco se encuentra compuesto por 11 integrantes, el banco D. emprendimiento se encuentra en quinto ciclo. Cuenta con una mesa directiva el mismo que se encuentra D. la siguiente manera.
VICTORIA B. C..- es la presidenta del banco, la cual fue elegida toda la asociación, tiene 21 años D. edad, vive en el barrio Virgen D. Fátima, vive en alquiler, con su esposo el Sr. Henrry Balcázar y sus dos hijos los cuales aun se encuentran en la escuela. La sra. Victoria cuanta con dos actividades, una trabaja D. coopera en el restaurante Sagardi, y la segunda actividad es la venta D. cosméticos siendo `promotora D. la línea D. yanbal. Su objetivo es colocar un negocio fijo es decir colocar su propia pensión.
GLADYZ M. LIMACHI D. T..- es la tesorera del banco D. emprendimiento, es nacida en la Paz Murillo, pero actualmente aquí en Santa Cruz desD. hace 8 años. Vive en alquiler en el barrio Bibosi D. la Guardia con su esposo el Sr. Rolando y sus tres hijos. El negocio que tiene es la venta D. comida el cual lo realiza en su mismo domicilio. Su esposo el sr. Rolando T. trabaja como albañil. Su sueño es llegar a comprarse su propia casita.
LUIS FERNANDO IRIGYEN Q..- es el secretario D. la asociación, es un joven con muchas ganas D. trabajar, tiene 19 años D. edad, es nacido en la Provincia Andrés Ibáñez vive en casa familiar.
El se dedica a la actividad D. promotor D. venta D. cereales, quiere seguir trabajando para D. esa manera terminar la carrera que esta estudiando ya que por falta D. recursos sus padres no lo pueden ayudar económicamente.

Additional Information

About Emprender

Emprender has been working in Bolivia since 1999. It is dedicated to becoming a key tool in the development of its clients and the improvement of their quality of life. Operating in three of Bolivia’s major cities – La Paz, Cochabamba, and Santa Cruz – Emprender offers both urban and rural clients the opportunity to obtain financial products tailored to fit their needs and businesses. These products include housing loans, salary loans, “opportunity” (short-term) loans, and higher education loans. To better the quality of life for its clients and non-clients through non-financial services, Emprender offers free medical consultations and health classes given by trained doctors.

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 Bolivia

  • $5,500
    Average annual income
  • 165
    View loans »
    Bolivia Loans Fundraising
  • $33,464,825
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Perlas Group's $3,350 loan helped a member purchase supplies for their businesses.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 28, 2009
May 1, 2009
Currency Exchange Loss:
Dec 15, 2009