Ruth Montegro is one of the founders of the communal bank. She is married and has a daughter who goes to school. She lives in a rented house with her husband who works in urban transportation. She is president of the communal bank. She sells empanadas, and, most of all, she sells ordered lunches to businesses and construction workers. She now feels satisfied with the economic support she brings to her household. She feels important, and she also saves and shares with her friends and neighbors who are part of the bank.
Candelaria V. is a very responsible member who always arrives before the others and is the last to leave. She makes bread in her house where she lives with her family. Her daughters help her make the dough and bake the bread. Soon, she would like to buy a larger oven and be able to set up her own store in her home. She wants to do this to improve her earnings. She knows that she is not very far from her goal because in her communal bank she has learned how to save money, be responsible, and to reach her objectives.
Andres S. is a long-time member. He has been with the group for three cycles. He is an accomplished and responsible person. He sells food with his wife. On the week ends he works with his amplification equipment. He uses the equipment when he is contracted to work on the week ends at parties. He is proud to be part of a group of women who support each other and are accomplished. In addition to be responsible with his own family, he helps his sister raise his two nephews. He works hard and is very happy to belong to this communal bank.
La Sra Ruth Montegro es una D. las fundadoras del banco D. emprendiemiento, ella esta casada y tiene una hija que asiste a la escuela; vive en alquiler con su esposo que se dedica al tranporte urbano, ella es presidenta del Banco D. Emprencdimiento y su actividad principal es la venta D. empanadas y sobre todo almuerzo que deja a pedido en empresas y construcciones.Ahora ella esta muy satisfecha con la ayuda economica que brinda en su hogar , ya que se siente importante y ademas que ahorra y comparte con sus amigas y vecinas que son parte del Banco.
La Sra Candelaria V. es una socia muy responsable siempre llega antes que los demas y es la ultima en retirarse, se dedica a la panaderia en su domicilio donD. convive con su familia, sus hijas la ayudan a preparar las masas y hornear el pan, ella desea comprarse muy pronto un horno más granD. y poder poner su propia tienda en la casa para mejorar sus ingresos, sabe que no esta muy lejos D. su meta porque en el Banco D. Emprendimiento ha aprendido a ahorrar dinero ademas D. ser muy responsable y consecutiva con sus objetivos.
El Sr. Andres S. es un socio antiguo, lleva tres ciclos con el grupo, es una persona responsable y cumplida, se dedica a la venta D. comida junto a su esposa, ademas los fines D. semana atienD. su equipo D. amplificacion, quienes le ayudan siempre que tiene que trabajar los fines D. semanas en las fiestas que los contratan, él se siente orgulloso D. estar con grupo D. señoras que se apoyan y que ademas son muy cumplidas con su crédito, el colabora a su hemana en la crianzar D. sus sobrinos, ademas D. ser resonsable con su propia familia, por eso es que el trabaja duro y esta muy contento D. pertenecer a este Banco D. Emprendimiento.
About EmprenderEmprender 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.
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Success!! The loan was 100% repaid