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Union  Familia Group
In this Group: Elsa Miriam, Miguel Angel*, Judith Paula, Barbara, Janette, Eusebio, Eusebia, Susy, Lucy Marisol, Eusebio*, Iveth Gloria, Maria
* not pictured
Elsa Miriam represents the Unión Familia group. The group is comprised of 12 very active and dynamic members. Elsa Miriam is a member who demonstrates this. She works selling “choripanes” (barbecued sausage stuffed in bread) and sandwiches in the old station in the city of El Alto.

She is married and has two children. Her husband is a bricklayer, and he helps her with some of the household expenses. Because this is not enough, she needs to work for her children’s food and education. Her children are school-age. That is how they got the name of the group. The family makes any small business big. Elsa Miriam’s greatest hope is that her children become professionals and to see them develop enough so that they have a better future.

The rest of the members sell wholesale CDs, beer, clothes, and plastics. Some provide plumbing and transportation services. There is plenty of competition in the market, but they get ahead by quickly changing and stocking their merchandise. That way they get the necessary income to support their families.

The current loan will be used as operating capital to get merchandise, supplies, and materials to increase their sales and improve their families’ quality of life. The group is currently in their fourth cycle. They always demonstrate competence, responsibility, and commitment to their group. Many of the small business have grown. For example, Elsa Miriam now has her cart for selling choripanes. She can give her customers better service. Now she wants to start selling another type of food. That is the reason she needs the loan.
View original language description ↓
El grupo “Unión Familia” esta representado por la señora Elsa Miriam Y conformada por 12 miembros muy activos y dinámicos como lo demuestra la señora Elsa Miriam quien trabaja en la venta de choripanes y sándwich en la ex estación de la ciudad de El Alto, ella es casada y madre de dos niños su esposo es albañil y el le ayuda con algunos gasto de la casa pero dado que este no alcanza ella debe trabajar para la educación y alimentación de sus hijos los cuales se encuentran en edad escolar, es de aquí que salio el nombre del grupo ya que la unidad familiar hace grande cualquier pequeño negocio, la mayor expectativa de la señora Elsa Miriam es poder sacar profesionales a sus hijos y verlos con una formación adecuada para que su futuro sea mejor para ellos. El resto de las socias se dedican a la venta de CDS al por mayor, cerveza, ropa, ropa, plásticos, servicio de plomería y trasporte. El mercado en el cual se desempeñan existe bastante competencia, sin embargo, ellas se valen de la rapidez que tienen para cambiar y surtir sus mercaderías para salir adelante y obtener el ingreso necesario para el sustento de sus familias. El presente crédito será utilizado para capital de operaciones y para la adquisición de mercadería, insumos y materiales para incrementar su ventas y mejor la calidad de vida de sus familias. El grupo se encuentra actualmente en su cuarto ciclo demostrando siempre capacidad, responsabilidad y compromiso con su grupo, muchos de los pequeños negocios han crecido, por ejemplo la señora Elsa Miran ya tiene su carrito de venta de choripanes y puede darles un mejor servicio a sus clientes ahora quiere incursionar con otro tipo de comida y es por esta razón que requiere del préstamo.

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
  • 80
    View loans »
    Bolivia Loans Fundraising
  • $29,414,475
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD