Sra. Esther is one of the founders and holds the position of President. She produces and sells bread. Esther has a family consisting of four members. With her loan she plans to buy flour, sugar, and yeast so that she can diversify her production and increase her earnings. As a result, she will be able to improve her quality of life.
Sra. Mirna is a long-time member who is married and has small children. She serves as the Secretary. With her loan she plans to buy different products for her store so that she can take advantage of the Carnival festivities to generate more sales.
Sra. Maria is the Treasurer of the Bank. Her principal business activity is managing a neighborhood store located in her home. With her loan she plans to buy canned goods, candy, and cookies in bulk so that she can increase her inventory and improve the income for herself and her family.
All of the members are responsible, dynamic, and hardworking people who support their families, and in most cases, must do so by themselves. They desire to improve the quality of life for their families and are grateful to Emprender and Kiva for trusting them by providing this loan.
NOTE: The son of one of the members also appears in the photograph.
El Banco D. Emprendimiento ESMERALDA es un banco que trabaja con nuestra Institución desD. el año 2007, este banco se caracteriza porque en todo este tiempo a conseguido consolidarse como grupo, la mayoria D. sus socias se dedica a la venta D. pan,anticuchos,café y algunas socias tienen tienda.
La Sra ESTHER es una D. las fundadoras, tiene a su cargo la presidencia, ella se dedica a la elaboración y venta D. pan, tiene una familia D. 4 miembros, con el prestamo a conseguido comprar por cantidad harina, azucar y levadura,lo que ha permitido que su producción se diversifique y aumente sus ganancias, mejorando su calidad D. vida.
La Sra. MIRNA Es una socia antigua, esta casada y tiene hijos pequeños, esta a cargo D. la secretaria, con el prestamo a comprado diferentes productos para su tienda, aprovechando que hay más ventas por las fiestas D. carnavales.
La Sra. MARIA es la tesorera del banco, ella tiene como principal actividad la atención D. una tienda D. barrio en su mismo domicilio, con el prestamo a comprado conservas, golosinas y galletas por cantidad, con este aumento en su capital mejorara sus ingresos D. ella y su familia.
Todas las socias son personas responsables, dinamicas y trabajadoras que en muchos casos mantienen solas el hogar y desean mejorar la calidad D. vida D. sus familias, estan agradecidos con Emprender y Kiva por la confianza brindada en la otorgacion del credito.
OJO: En la fotografia esta el hijo D. una D. las socias.
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