Luz Y Vida Group
Miguel is the bank president, and he sells electrical materials, and with this loan he will be able to buy more merchandise and increase his working capital in order to earn a better income.
Mikaela is the bank secretary, and she sells clothes and beauty products. With this loan she can buy more merchandise such as perfumes, powders, deodorants, and more, and in this way improve her income. She is also a student in the IT program at UMSA (Universidad Mayor D. San Andrés).
Carmen is the bank's treasurer. She has three children and sells food on Sebastian Street. She has a pension, and the loan will be invested in buying the necessary products for her sales, and in that way she can better her quality of life and increase her working capital.
All of the mermbers of the group are dynamic and responsible workers, and they guarantee this among themselves.
They are very appreciative of Emprender and Kiva for the confidence they grant through the lending of credit.
El Banco D. Emprendimiento LUZ Y VIDA es un banco que esta conformado por 10 Integrantes y las socias se dedican al comercio y venta D. comida.
El Sr.MIGUEL es el presidente del Banco y se dedica a la venta D. material electrico y con el prestamo lograra comprar más mercaderia y aumento D. capital D. trabajo y para mejorar sus ingresos ecónomicos.
La Sra. MIKAELA es la secretaria en el Banco y ella se dedica a la venta D. productos D. belleza y ropa, con el prestamo comprar más mercaderias como ser perfumes, talcos,desodorantes y otros y D. esta forma mejorara sus ingresos, es estudiante D. la carrera D. informatica en la UMSA
La Sra. CARMEN ella es la tesorera del banco y tiene tres hijos y se dedica a la venta D. comida en el calle Sebastian, tiene su pensión y el prestamo se invertirá en compra D. lnsumos requeridos para su venta y así para poder mejorar su calidad D. vida y aumento D. capital D. trabajo.
Todos los integrantes del grupo son dinamicos trabajadores y responsables, se garantizan entre ellos.
Estan muy 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