Sr. René is the President and works as a salaried driver. With this loan, he plans to buy his own vehicle. For the future, he is thinking about having a family and providing them financial stability.
Sra. Rossy is a young member who holds the position of Secretary. She sells beauty products by catalog. With this loan, she will buy perfumes, talcum powders, and other products that are on sale which she will sell at regular price. This will allow her to save money so that she can continue her pharmacy studies and finish her degree.
Sra. Maria is the Treasurer and one of the founding members. She manages a store and will use her loan to buy various products so that she can diversify her inventory and improve her earnings.
All of the members are responsible and dynamic people who have to support their families, and in most cases, do it by themselves. They are very grateful to Emprender and Kiva for trusting them by providing this loan.
El Banco D. Emprendimiento MANET es un banco que trabaja con nuestra Institución hace varios años, el banco se caracteriza principalmente por tener socias que se dedican al comercio y servicios.
El Sr. RENÉ es presidente, es chofer asalariado y con el prestamo tiene pensado ahorrar para poder comprarse una movilidad y pasar a ser propietario, ya que en un futuro esta pensando tener una familia y brindarles estabilidad económica.
La Sra. ROSSY Es una joven participante esta a su cargo la secretaria, se dedica a la venta D. productos D. belleza por catalogo, con el prestamo comprara perfumes, talcos y otros productos D. belleza D. promoción para despues poder vendrlos al precio original, lo que le a permitido ahorrar para continuar sus estudios D. farmacia y D. esta forma poder culminarlos.
La Sra. MARIA Es una D. las socias fundadoras, es tesorera y se dedica a la atención D. su tienda, con el prestamo comprara varios productos para su tienda y D. esta manera diversificar sus productos, mejorando así sus ingresos.
Todas las socias son personas responsables y dinamicas que en muchos casos tienen que sacar a sus familias solas, estan muy agradecidas con Emprender y Kiva por la confianza brindada en 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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