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Las Viviendas 2 Group
In this Group: Maria Luisa, Julia, Maria Luisa, Tereza, Yaqueline, Martha, Karen Alcira, Miguel Angel, Gary Rolando, Margarita, Ana, Yenny*, Maria Cristina
* not pictured
The group “Las Viviendas 2” is led by Sra. María Luisa and consists of thirteen members who are working parents who strive relentlessly to support their families through their businesses. They are responsible and cooperative people who have demonstrated in their previous six loan cycles that they are capable of working together. Now that they have had the chance to get to know each other well through their hard work, they look forward to continuing together as a group. Among the retail businesses represented are the sale of food, handmade dresses, clothing, soft drinks, bread, groceries, cosmetics, and empanadas. The men are engaged in the repair of air conditioners, refrigerators, and other appliances. With regard to the competitive environment, the members do have any difficulties because they offer their products and services every day from strategic locations throughout the city. Many of them have a loyal clientele that they have established as a result of many years of experience. For example, the members who provide air conditioning services do not face financial difficulty because they have agreements with institutions to provide comprehensive maintenance.


This loan will be used to improve their home and businesses. The members will purchase supplies and materials for making bread, snacks, empanadas, and salteñas, as well as tools and equipment to improve the services they provide. Others wish to invest in new businesses by acquiring a variety of merchandise to offer. Their expectations for the future are to see their businesses well–stocked so that they can provide better service to their customers and improve their product offerings so that they can keep up with new market demands, which will help them earn more income so that they can provide a better quality of life for their families. Most of the members are experienced in working as part of a solidarity group. They are aware that the entire Communal Bank is responsible for any shortfalls caused by any member who is late or fails to make a payment. In addition, they know that it takes cooperation and unity to work together as a solidarity group.

View original language description ↓
El grupo “Las Viviendas 2” esta representado por la señora María Luisa y conformada por 13 miembros que son padres de familia, que trabajan constantemente, para poder sacar adelante a sus familias con sus negocios, son personas responsables y solidA. como lo han demostrado en lo seis ciclos que llevan juntas se conocen muy bien y saben que son gente trabajadora y emprendedora y por eso continúan juntas. Entre las actividades que realizan son las siguientes esta la venta de comida, costura de prendas de vestir, venta de ropa, venta de refrescos, pan , abarrotes, cosméticos y empanadas, entre los varones se dedican a la refacción de aires acondicionados así como la reparación de refrigeradores y otros electrodomésticos. Dentro del ámbito competitivo podemos mencionar que no tienen dificultades donde ellos ofrecen sus productos y sus servicios diariamente la ubicación de sus negocios son en lugares estratégicos de la cuidad de montero donde ellos tienen clientes fieles por tener años de experiencia en el rubro a que cada una de las socias se dedican, en los casos de los hombres que se dedican a la prestación de servicios de reparación de aires acondicionados donde tienen convenios con instituciones durante una gestión completa por lo que no tienen ninguna dificultad económica. El crédito lo utilizaran, en mejorar sus viviendas y negocios, la compra de insumos y materiales para la elaboración del pan, masitas, empanadas y salteñas, así como la compra de herramientas y equipos que ayuden a mejorar el servicio que brindan, algunas de las socias desean invertir en negocios nuevos con nueva mercadería para ofrecer. Sus expectativas a futuro son ver sus negocios llenos de mercadería que se pueda vender y prestar un mejor servicio a sus clientes y así generar mejores ingresos para poder brindarles a sus familias una mejor calidad de vida y mejorar sus productos acorde a las nuevas exigencias del mercado. La gran mayoría de los clientes tienen mucha experiencia de trabajar bajo la modalidad de banca comunal, este grupo es muy responsable por que si una clienta falta o se atrasa todo el grupo cubre la cuota de la persona, dando a conocer que ellos entienden y conocen la solidaridad y la unidad que se requiere para ser un grupo solidario.

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
  • 96
    View loans »
    Bolivia Loans Fundraising
  • $30,196,400
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Viviendas 2 Group's $4,125 loan helped a member operating capital for their respective businesses.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 29, 2009
Listed
Feb 1, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 12, 2010