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Las Dulces Group
In this Group: Julia, Marisol, Andrez, Silvia, Maria Elena, Elda, Danny, Rutths, Tito, Ruth, Rossi, Marlene, Mirian, Yesenia, Carmen Diana, Maria Elva
Julia represents the communal bank "Las Dulces," which is made up of 16 members who all live in the same neighborhood. Julia has 2 school-aged children and recently her husband lost his job, and for this reason she saw the necessity of working. But she did not have any kind of experience, so she began to sell Avon, Esika, Yambal and other brand cosmetics through catalogs from her home, as well as at the school of her children and at private companies where she has gotten customers. Now her husband found work, but Julia wants to keep working to help her sons forge ahead with their education so they can have a better future. For this reason she needs capital to buy products to offer, and to bring appealing products directly to her customers.

The rest of her fellow bank members sell hamburgers, bread, meals, and cosmetics. The competition amongst the members is very difficult, especially in the areas of food sales and cosmetics, as each member hopes each day to have a good result with their sales. This loan will be used to restock their businesses with more products, so that they can offer better service to their customers and so that their businesses will provide higher incomes in the future and a better economic situation. As this is a new group, they have been given training, and they are very pleased and content to be clients of Agrocapital. Some of the members already have experience thanks to similar loans from other organizations.
View original language description ↓
Las características del banco comunal “Las Dulces” esta representadas por la señora Julia y conformada por 16 miembros todos residentes de la misma zona. La señora Julia tiene dos hijos en edad escolar y hace poco su esposo quedo sin trabajo por lo que se vio en la necesidad de trabajar pero como ella no cuenta con ninguna experiencia en otro tipo de trabajos se dedica a la venta de cosméticos por catálogos con marcas de Avon, Esika, Yambal y todo lo que se pueda vender a domicilio, vendiendo en el colegio de sus hijos, y empresas privadas donde ya ha conseguido clientela, actualmente su esposo ya consiguió trabajo pero la señora Julia desea seguir trabajando para ayudar a sus hijos a forjar con estudios un mejor futuro es por esta razón que requiere de capital para obtener productos de oferta y llevar directo productos atractivos para sus clientes. El resto de sus compañeras se dedican a la venta de hamburguesa, venta de pan, venta de comida, venta de productos de cosméticos. La competencia entre las socias es realmente difícil, especialmente en la venta de comida y en la venta de cosméticos, ya que cada socia espera cada día un buen resultado en sus ventas. El crédito lo destinaran para poder surtir sus tiendas y comprar más productos y ofrecer mejores servicios a sus clientes para que a futuro tengan sus negocios con mayores ingresos y una mejor situación económica. Como es un grupo nuevo se les ha dado una capacitación que están satisfechas y contentas de ser clientes de Agrocapital pero algunas de las socias ya poseen experiencia gracias a créditos similares en otras entidades

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
  • 137
    View loans »
    Bolivia Loans Fundraising
  • $30,349,900
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Dulces Group's $4,225 loan helped a member working capital to buy products to restock their businesses.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 30, 2010
Listed
Mar 1, 2010
Currency Exchange Loss:
Possible
Ended:
Sep 2, 2010