Sra. Yessenia is one of the founding members. She is married and has adult children. Her husband works for COPAAGUS. She prepares empanadas, salteñas, and bread and sells them from the doorstep of her house. In addition, she provides these items to a few young men to sell in the neighborhood.
Sra. Ana Maria is also a founding member. She sells undergarments that she acquires from the Barrio Lindo Fair. Ana Maria travels from neighborhood to neighborhood to offer her products, sometimes selling them on credit. This is not the only business she manages. In order to provide for the welfare of her family, she also sells cosmetics.
Sra. Seli is a new member who is participating in this second loan cycle. She is a single mother with one child. Seli is a dynamic woman who sells children’s clothing as a street vendor and offers her merchandise on credit. She visits each district in the city of Santa Cruz. Selling clothes is her main business, but she also runs a second business selling doors. Sometimes she is able to run both businesses as the same time.
All of the members are grateful to Emprender and Kiva for demonstrating their confidence in them by providing this loan.
La Señoras desean aumentar capital a sus negocios muchas de ellas son ambulates que no tienen puesto fijo
La Sra. Yessenia es una de las socias fundadoras es casada sus hijos ya son mayores de edad su marido trabaja en COPAAGUS. ella se dedica a la elaboracion de empanadas, salteñas, Pan y ella lo vende en la puerta de su casa y los hace ambular a algunos muchachos de su barrio.
La Señora Ana Maria tambien es una socia fundadora que se dedica a la venta de ropa interior ella compra de la feria de Barrio lindo y va ofreciendo barrio por barrio y algunas veces deja a credito y de esta manera cuadyuba en el bienestar de su familia, no solamente se decica ha eso tambien es promotora de cosmeticos.
La Señora Seli es una socia nueva que ingreso en el segundo ciclo es soltera y tien un hijo ella es muy dinamica que se dedica a la venta de ropa de niños que va ambulando y dejando al credito en cada barrio de la ciudad de Santa Cruz esa es su actividad principal y como una actividad secundaria es promotora de portones que conbina esta acividad con la venta de ropas y a al vez va ofreciendo las dos cosas
Todos los integrantes estan agradecidos con Emprender y Kiva por la confianza brindada en la otorgacion del credito.
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