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15 De Diciembre Group
In this Group: Nancy, Martha, Maria Isabel, Juana, Maria Renee, Cristina, Sonia, Martha, Angel, Maria Del Carmen, Yessica Denise, Lucinda, Carola, Rosa Liliana
The 15 D. Diciembre Communal Bank is represented by Nancy and comprised of 15 members. They are in their third cycle, and the have always been punctual and responsible with their payments. All of the members have commercial activities like raising and selling pigs, selling food, soft drinks, fruit, cosmetics, and hairdressing and laundry services.

Nancy is the president of this lovely group. For the past two years, she has been raising and selling pigs. Martha has been selling soda for the past year, Maria Isabel has been selling cosmetics for the past two years, Juana has been selling empanadas (meat pastries) for the past two years, Maria Renee has a year of experience selling clothing, Cristina has been selling clothing for five years, and Sonia also sells clothes but has just two years of experience. Martha has been washing clothes for the past 15 years, Angel sells drinks on the street and has two years of experience in this area, Maria del Carmen has a lot of experience (24 years) selling meals, and Yessica Denise has been selling fruit for the past 10 years. Lucinda sells cosmetics and has seven years of experience, Carola has been serving dinners for a year, and finally, Rosa Liliana also sells cosmetics, which she has been doing for the past five years.

As far as competition goes, it is difficult. But, the members know how to get ahead with their businesses. They go to outlying markets or diversify their merchandise to be able to get the necessary income to support their families.

The loan is to buy balanced food wholesale, more modern tools for hairdressing, supplies, materials, and summer merchandise for the season. As far as expectations go, they work to educate their children and to be able to give them a more stable home. They always think of the future and the well being of their families. Their biggest expectation is that their children are able to become professionals and improve more each day.
View original language description ↓
El banco comunal "15 D. Diciembre" esta representado por la señora Nancy y conformada por 15 miembros que van participando ya en su tercer ciclo demostrando siempre puntualidad y responsabilidad en sus pagos. Todos los miembros tienen actividades comerciales como la crianza y comercialización D. cerdos, la venta D. comida, ropa, refrescos, frutas, cosméticos y al servicio D. peluquería y lavandera.

Nancy que es la presidenta D. este lindo grupo se dedica a la cría y venta D. chanchitos tiene una experiencia D. 2 años en este rubro, Martha se dedica a la venta D. soda desD. hace 1 años atrás, Maria Isabel venD. cosméticos desD. hace 2 años atrás, Juana venD. empanadas desD. hace 2 años atrás, Maria Renee venD. comida y tiene experiencia en el rubro D. 1 año, Cristina es comerciante D. ropa desD. hace 5 años atrás, Sonia también es comerciante D. ropa solo que a diferencia D. Cristina tiene menos años D. experiencia solo cuenta con 2 años, Martha se dedica a lavar ropa desD. hace 15 años atrás, Angel venD. refresco D. manera ambulante él se encuentra en este rubro desD. hace 2 años, Maria del Carmen se dedica a la venta D. comida tiene una amplia experiencia en este rubro(24 años), Yessica Denise se dedica a la venta D. frutas desD. hace 10 años atrás. Lucinda es promotora D. cosméticos y tiene una experiencia D. 7 años, Carola se dedica a la producción D. alimentos específicamente prepara cena para vender tiene experiencia en este negocio D. 1 año y por último está Rosa Liliana quién también es promotora D. cosméticos desD. hace 5 años atrás.

En cuanto al entorno competitivo se pueD. mencionar que es difícil pero las socias saben como salir adelante con su negocios ya sea saliendo a mercados periféricos o diversificando su mercadería para poder obtener el ingreso necesario para el sustento D. sus familias. El destino del financiamiento es para la compra D. alimento balanceada al por mayor, herramientas D. peluquería mas modernos, insumos, materiales y mercadería D. verano para la época. En cuanto a sus expectativas ellas trabajan para la educación D. sus hijos y para poder darles un hogar mas estable por lo que siempre piensan en el futuro y el bien estar D. sus familias; por lo tanto su mayor expectativa es que ellos puedan salir con una profesión y así mejorar cada día mas.

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
  • 108
    View loans »
    Bolivia Loans Fundraising
  • $28,862,525
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of 15 De Diciembre Group's $3,550 loan helped a member operating capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 23, 2009
Listed
Feb 1, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 12, 2010