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29 De Enero Group
In this Group: Dioselina, Rosario, Melania, Francisca, Judithza Dabeyba, Lorena, Patricia, Jorge, Candido, Fatima , Mariela, Jackeline, Jacinta, Hugo
The Communal Bank “29 de Enero” (January 29th) is led by Sra. Dioselina and consists of 14 members (3 men and 11 women) who are mutually supportive of one another.


Sra. Fátima is married and has three school-age children. The oldest is in high school, while the other two are in elementary school. Sra. Fátima manages a small neighborhood grocery store located inside of her home. She sells products such as oil, sodas, and canned goods and hopes to expand her business by adding more products. For this reason she is requesting a loan. In the future, she hopes to enlarge her house and make a few repairs. She also wants to provide her children with a good future by paying for a good education and having a comfortable home where they can develop in all of their activities.


The other members of this Communal Bank have businesses involving cosmetics, food, groceries, fine jewelry, beauty salons, motorcycle taxis, and housekeeping services. Competition is high in the commercial sector, but the members know what it takes to succeed in their businesses by turning over their merchandise or establishing their businesses at the regional markets or neighborhood fairs where they can obtain the most loyal customers who are in need of their products. This loan will be used to expand their businesses by purchasing merchandise, equipment, and supplies. They will also provide more comfortable conditions for their customers. Most of the members are new to the group, but they have plenty of experience working with solidarity group loans at other institutions. They are satisfied with the objectives they have to achieve with Fundación Agrocapital and so far have demonstrated teamwork in each of their previous meetings.

View original language description ↓
El banco comunal “29 de enero” esta representado por la señora Dioselina y conformado por 14 miembros donde 3 son varones y 11 son mujeres donde todos se apoyan mutuamente. La señora Fátima es casada y tiene 3 niños en edad escolar el mayor esta en colegio y los otros dos pequeños están en escuelas primarias, la señora Fátima se dedica a la venta de abarrotes en su propio hogar montando una pequeña tienda de barrio en la cual tiene también la venta de aceites, sodas y enlatados y desea poder agrandas su negocio con muchos mas productos y conservas es por esta razón que requiere del financiamiento; en cuanto a sus expectativas a futuro ella desea poder agrandar su casa y hacerle algunas refacciones, también poder darles un mejor futuro a sus hijos con una buena educación y un techo mas confortable para el desarrollo de sus actividades. El resto de las socias de este banco comunal tiene su negocio de venta de cosméticos, comida, abarrotes, joyas de fantasía, y negocios como salones de belleza, transporte en moto-taxis y empleos domésticos. Dentro del ámbito comercial la competencia es alta pero loas socios saben como sacar adelante sus negocios con el cambio de mercadería o el traslados de la misma a mercados zonales o ferias de barrio obteniendo clientes leales a su trabajo y que confían en la mercadería que venden. El destino del financiamiento es para poder ampliar un poco mas su negocio con la adquisición de mercadería, herramientas de trabajo, insumos y con una mejor comodidad para sus clientes. La mayoría de los miembros del grupo son nuevos pero con mucha experiencia en grupos solidarios gracias a créditos en otras instituciones similares, pero se encuentran satisfechos con la descripción del trabajo a realizar con la fundación Agrocapital demostrando unidad en cada una de sus reuniones previas.

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
  • 86
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    Bolivia Loans Fundraising
  • $29,017,150
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  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD