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Zulma lives in Santa Rita, El Torno. She is a single mother of a son; she must be mother and father in her home and she is solely responsible for all household expenses. It has been difficult for her to get ahead alone but, despite being very young, she found the way to overcome the situation and she works hard for herself and her son. She wants to improve their quality of life and see her son grow up and become a responsible and self-assured adult.

Zulma peddles clothing through the city's different neighborhoods. She has customers that place specific orders with her. She is a responsible, affectionate person with her son.

The funds will be used to buy merchandise so that she can have a variety of stock available to meet the needs of her customers.

She is grateful to Emprender and Kiva for the trust placed in her by granting the loan.
View original language description ↓
La Sra. Zulma vive en la localidad de Santa Rita, municipio de El Torno, , es madre soltera con un hijo, por lo que tiene que ser madre y padre en su hogar, ya que ella corre con todos los gastos del hogar, a sido dificil para ella salir adelante sola pero pese a ser joven supo sobrellevar la situacion y trabaja duro para ella y su hijo, quiere mejorar su calidad de vida y ver a su hijo crecer y convertirse en una persona responsable y segura.

Su actividad de la Sra. Zulma es la venta de ropa ambulante vende por distintos barrios de la ciudad y ya tiene clientes que le hacen pedidos, es una persona responsable y cariñosa con su hijo, el dinero del credito es para comprar mercaderia y asi poder tener variedad de productos para poder satisfacer a sus clientes.

Esta agradecida con Emprender y kiva por la confianza brindada en la otorgacion del credito.

Additional Information

About Emprender

Emprender 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.

About Bolivia

  • $2,817
    Average annual income
  • 101
    View loans »
    Bolivia Loans Fundraising
  • $29,504,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Zulma to buy clothing.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 20, 2010
Mar 1, 2010
Currency Exchange Loss:
Jan 15, 2011