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Las Cumplidoras Group
In this Group: Epifania, Florencia, Beatriz De, Teodora, Felicidad, Leonarda, Placida De, Victoria*, Reina, Elizabeth*, Celestina
* not pictured
The Communal Bank "Las Cumplidoras" ("The reliable ones") is made up of 11 members, of whom the president is Ms. Epifania. She is married with 5 children. Epifania works at dressmaking for ladies. She works from monday to saturday and has about a year of experience in the area.

The rest of the group works in different activities. Most sell coca leaves, groceries, and work as dressmakers, be it at their homes or in their stands. One of the partners sells "anticuchos de corazón" (a typical dish in Peruvian gastronomy made of grilled bits of spicy beef heart). Generally speaking, the group has quite a lot of experience in their businesses and this is why they are well known in the area where they sell their products. While the competition in general is hard, the group has experience and also stable patrons that recognize their good work and demand their services. Besides, the group members are enthusiastic about their jobs. They will use the money as working capital; some will buy more groceries and fabric. This groups is doing well with its businesses and they want to keep working and above all to keep counting with financing to reach their goals. The group has quite a lot of experience with other microfinancing institutions.
View original language description ↓
El banco comunal Las Cumplidoras está conformado por 11 socias de las cuales la presidenta es la señora Epifania, ella es casada, tiene 5 hijos. Epifania se dedica a la confección de prendas de vestir para damas, Epifania trabaja de lunes a sábado y cuenta con una experiencia de un año en el rubro.
El resto del grupo se dedica a diferentes actividades, la mayoría se dedica a la venta de coca, abarrotes y confesión de prendas de vestir ya sea en sus domicilios o en sus puestos de ventas, una de las socias vende anticuchos de corazón. El grupo en general tiene bastante experiencia en los negocios que desempeñan y es por esta razón son conocidos en la zona donde venden sus productos. Si bien la competencia en general es bastante amplia, el grupo cuenta con experiencia y también con clientes fijos que reconocen su trabajo y demandan sus servicios, por otra parte el grupo tiene bastante entusiasmo con su negocio que hacen. El dinero fue utilizado como capital de operaciones, unos comprarán más abarrotes y telas, A este grupo les esta yendo bien en sus negocios y quieren seguir trabajando y contando sobre todo con financiamiento para poder alcanzar sus metas. El grupo tiene bastante experiencia crediticia con otras instituciones financieras.

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
  • 97
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    Bolivia Loans Fundraising
  • $29,017,150
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD