Julia is a new client who comes to us thanks to the recuriting efforts made in the Achumani area. She is a single mother of two children. She lives under the "anticretico" (Anticretico is a transaction not available in the U.S. whereby a property owner requests a "loan" from you in exchange for housing, which must be paid back to you at the end of your contract. If your loan is not repaid, the property owner loses the property to you) modality and supports her family with a neighborhoold grocery store that at night she turns into a snack bar where she sells such typical dishes as "salchipapas" (a type of fast food that consists of thinly sliced pan-fried beef hot dogs or sausage and French fries, mixed together and served on a plate or in a paper cone, served with different sauces) and "silpanchos" (a schnitzel-style beef that is served with tomatoes, onions and a base layer of rice. It is often served with fried eggs on top.) At that time of night, this is the only place in the area where such dishes can be found. She also owns a minibus which provides her with a daily rental income. Julia, upon noting that her eatery lacked enough space to accommodate all the customers that came, decided to rent a room which is across the way from her current place of business and furnish it to better serve more customers. This is the reason behind the loan request to buy furniture and supplies.
La Señora Julia es un cliente nuevo que llega a la empresa por la promocion hecha por la zona de achumani, ella es madre soltera de dos pequeños, vive en anticretico y sostiene a su familia con una tienda de barrio que tambien la utiliza como snack por las noches, donde vende salchipapas y silpanchos, ya que a esas horas es el unico lugar donde se puede encontrar comida por las zona, la señora tambien es propietaria de un minibus del cual recibe renta diaria. La señora julia al ver que su local no tiene el suficiente espacio ni la capacidad para atender la cantidad de clientes que visitan el lugar decidio alquilar un cuarto que esta al frente de su actual negocio y equiparlo para poder atender mejor y a mas clientes poe eso solicito el prestamo para la compra de muebles y mercaderia.
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.