Intiwara 2 Group
Señora Justina, sells sweets and knit items for her business. She lives in her sales kiosk, which is located in the Plaza Arandia Villa Fátima. She wishes to expand her kiosk so that she may increase her income, now that she has children of school age.
Señora Silvia is the treasurer, and she sells sweets in the Hernando Siles school, where she is also the door-woman. She has children who are attend the same school where she works.
Señora Natividad is the secretary, responsible for taking minutes of the board's proceedings. She works selling various items at different fairs throughout La P. depending on the season and how much capital she has at the time. For example, she has a regular post at the fair of Alasita that she can rely on working; in this manner, going from fair to fair, she supports herself throughout the entire year.
These three people are the head of the Banco D. Empredimiento, which is maD. up of ten people who, because they all know each other, form a guarantee amongst themselves that they will not miss their payments, making the bank a reliable institution.
A majority of the members rely on their own fixed place of business to earn money. The other 10% takes merchandise to peoples' homes, delivering goods to a regular group of customers, since they do not own their own homes from which they could work. All the members are very hard-working, and their businesses are their only source of income, which they rely upon to maintain their homes and families. They are responsible with their loans. Currently, they are working with their fourth loan from Kiva and have not had a single problem. They all know each other very well and work together to assist each other.
The loan they now request is to be used for purchasing merchandise and, in a few cases, to increase capital to put towards improving work places.
All of the members are very thankful to both Emprender and Kiva for the confidence those groups have displayed to them in offering loans to the members to improve their businesses.
La Sra. Justina quien tiene como actividad la Venta D. Dulces y punto Viva en su Kiosco ubicado en La plaza arandia Villa Fátima, ella quiere ampliar su puesto D. venta para mejorar sus ingresos ya que tiene hijos que se encuentran en edad escolar.
La Sra. Silvia es la tesorera quien se dedica a la venta D. dulces en el colegio Hernando siles, es tambien portera del establesimiento tiene hijos que se encuentran en la misma escuela donD. ella trabaja.
La señora Natividad es la secretaria D. actas, se dedica a la venta en diferentes ferias D. la P. D. acuerdo a temporada y con Capital para la Ocación por ejemplo la feria D. Alasita ella ya cuenta con un puesto fijo durante esta feria y así trabaja durante todo el año. Estas tres personas son la cabeza del banco D. emprendimiento conformado por Diez personas quienes se garantizan entre ellas porque se conocen y saben que no fallaran a su garantía solidaria, como Banco.
Una gran mayoria cuenta con negocio propio fijo el otro 10% trabajan con mercaderia en su domicilio y lo acomodan en clientes fijos que ellos tienen y no cuenta con domicilio propio, son muy trabajadoras, el negocio es el unico ingreso con el cual mantienen el hogar son responsables con su credito ahora se encuentran el cuarto credito con nuestra institucion sin ningun problema. Se conocen muy bien y se colaboran entre ellos.
El destino del credito es para la compra D. mercaderia y en algunos casos para el incremento D. capital D. trabajo.
Todas las socias estan agradecidas 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