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21 De Enero Group
In this Group: Denar Ronny, Milenka, Clelia Lourdes, Veronica, Gabriela, Laura, Isabel, Marianela, Marioly, Patricia, Janet Marioly, Eliana, Giovana*, Gabriel Silvestre, Pebbels, Eliodora, Carmen
* not pictured
Denar Ronny represents the members of the “21 D. enero” group. Some members of the group are related to each other. Eliana and Eliodora are sisters. Giovanna and Isabel are daughter in law and mother in law. They all have independent incomes, so this does not pose a problem for the group.

The members are engaged in different activities like selling cosmetics, bread, groceries in grocery stores, meals, and services like public transportation.

In regards to the competition, it can be said that they are away of it and should make more efforts to be able to generate enough income to sustain their families. That is why they need a loan to buy merchandise, materials, supplies and tools to help them with the development of their businesses. This will generate more income that will bring their households a better quality of life. The majority of the members are in their second loan cycle with the institution. This demonstrates their responsibility, completion of payments, and good management of loans.
View original language description ↓
Las socias del grupo "21 D. enero" están representados por el señor Denar Ronny, dentro del grupo existen algunos parentescos como la señora Eliana y Eliodora que son hermanas y la señora Giovanna e Isabel que son yerna y suegra respectivamente todas tienen ingresos independiente por lo que no representa un problema para el grupo. Las socias integrantes desempeñan diferentes actividades como la venta D. cosméticos, pan, abarrotes en tiendas D. abarrotes, venta D. comida y a actividades como el servicio D. transporte publico D. pasajeros. En cuanto a la competencia se pueD. decir que ellas están conscientes D. la misma por lo que deben esforzarse mas para poder generar un ingreso para el sustento D. sus familias es por esta razón que requieren del crédito que esta destinado para la compra D. mercadería, materiales, insumos y herramientas que ayudaran al desarrollo D. sus negocios y a generar un mayor ingreso que brinD. a sus hogares una mejor calidad D. vida. Una mayoría D. las socias van cursando su segundo ciclo con la institución demostrando responsabilidad y cumplimiento con sus pagos y un buen manejo D. los fondos otorgados.

Additional Information

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
  • 222
    View loans »
    Bolivia Loans Fundraising
  • $31,492,600
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD