Las Dinamicas Group
Celia C. is the founder of the communal bank. She is also the president. She formed the group with some friends because they needed a loan to help them increase their working capital. She is a hairdresser, and she also sells clothes and creams on credit to her customers. She is a single mother, and she decided to work and sell things to support her 14 year old son. She is very excited about the terms of the loan because she sees the possibilities of making her earnings grow and of saving.
Raquel L. is a very hard-working woman. She sells used clothes, shoes, and toys. She sells them at the fairs in different neighborhoods. She leaves to sell every day, and she only rests on Sundays. She and her husband, a bricklayer, do everything possible to give their family the best living conditions. Raquel wants to set up a stand to sell her merchandise and increase her working capital. She wants to do this to improve her income and her living conditions.
Bertha A. sells food in her house in the evenings. She makes empanadas from rice and “cuñape” (a type of empanada) during the day to sell in the evening. She has two children who go to primary school. She is a very humble and hard-working woman. The loan from Emprender is to buy tables and chairs to sell food in the evenings. Also, she thinks that she will use the next loan to buy a larger oven to be able to sell more rice bread and “cuñape”. She is even thinking of making “salteñas” (meat empanadas) on Sundays to sell in the neighborhood.
La Sra Celia C. es de las fundadoras del Banco de Emprendimiento, tambien es la presidenta, ella con unas amigas formaron el grupo con la necesidad de un crédito que les ayudara a incrementar su capital de trabajo, la sra. se dedica a peluqueria ademas de vender a sus clientes y amigas ropa y cremas al crédito, ella esta madre soltera y es por eso que ella opta por trabajar y vender cosas para mantener a su hijo de 14 años, ella esta muy emocionada con las condiciones del crédito puesto que ve la posibilidad de hacer crecer sus ganancias y ademas de ahorrrar.
La Sra Raquel L. es una señora muy trabajadora, ella vende ropa, zapatos y juguetes de medio uso, los vende en las ferias de los distintos barrios, sale a vender todos los días y sólo descansa los domingos, ella y su esposo que trabaja como albañil hacen todo lo posible por darle a su familia las mejores condiciones de vida, la Sra Raquel quiere establecerse en un puesto para vender su mercaderia y aumentar su capital de trabajo para mejorar sus ingresos y su condicion de vida.
Bertha A., vende en su casa comida por las noches y hace empanadas de arroz y cuñape (especie de empanada) durante el dia para vender en la tarde, ella tiene 2 hijos que van a la escuela primaria, es una persona muy humilde pero trabajadora, ella afirma que el crédito de emprender le servira para comprarse mesas y sillas para vender comida en las noches, además piensa que con el proximo crédito se comprara un horno más grande para poder vender más pan de arroz y cuñape, hasta piensa en hacer salteñas (empanadas de carne) los domingos para vender en el barrio.
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