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Dulce Esperanza Group
In this Group: Evelin, Leonor Luisa, Adalberto, Yessica, Jeanneth, Juliana, Margarita, Elizabeth Basilia*, Freddy Julio, Erwin, Cristina, Lourdes Beatriz
* not pictured
The “Dulce Esperanza” (Sweet Hope) group consists of 12 members who all live in the San Jerónimo neighborhood and know and trust each other very much. They are represented by Evelin. Most of the members are involved in the making and selling of bread, the sale of dairy products, masonry services, fast food sales, grocery sales in neighborhood stores, and meal preparation. They are located in various sites. For example, some of the food sales take place from moving food stands which allows them to change location if competition is too strong in one place. The members state that they will use the financing to buy merchandise, raw materials and tools which will help them earn better profits with which to support their families. The members who remain in the bank for this second lending cycle have shown responsibility and punctuality in their repayments. According to the report from the credit bureau they have good credit histories in other financial institutions such that fundación Agrocapital offers them new financial support so that the members will continue to work together to get ahead and thus proviD. their families with better quality of life.
View original language description ↓

El banco comunal “Dulce Esperanza” esta representado por la señora Evelin y conformada por 12 miembros residentes del barrio San Jerónimo por lo que se conocen y confían en cada uno D. ellos. Una mayoría D. los socios se dedican a la elaboración y venta D. pan, venta D. lácteos, servicio D. albañilería, venta D. comida rápida, abarrotes en tiendas D. barrio y al servicio D. cocina. Sus negocios se encuentran en diferentes lugares como alguno D. los puestos D. venta son ambulantes, por lo que no tienen mucha competencia en sus rubros caso contrario mueven su negocio a otro lugar mucho mas rentable. Los socios indican que invertirán en incrementar su capital D. trabajo con la coma D. mercadería, insumos y herramientas que coadyuven a generar un mejor ingreso para el sustento D. sus familias. Las socias que se mantienen en el banco en este segundo ciclo han demostrado responsabilidad y puntualidad en el pago D. sus cuotas. Según el reporte D. la central D. riesgos se pueD. ver que tienen buenos antecedentes crediticios en otras instituciones financieras también por lo que la fundación Agrocapital les brinda un nuevo apoyo económico para que los socios sigan trabajando juntos para salir adelante y poderle brinda una mejor calidad D. vida a sus familias.

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

  • $2,817
    Average annual income
  • 101
    View loans »
    Bolivia Loans Fundraising
  • $29,504,650
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD