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Joyitas Group
In this Group: Julia, Teresa, Yury Marterian*, Lucia, Angélica, Lucy, Hilda, Jacqueline Teresa*, Rosalia, Sonia, Gaila
* not pictured
The Joyitas Communal Bank works in the Centro Focal Panamericana. The group has 11 members, and they have had 17 cycles. The women’s businesses are different handicrafts, knitting and producing sweaters, merchant, selling sweets, footwear production, hairdresser, electronics, silk screening, grocery store, seamstress, selling jackets, and production of handmade baskets.

Julia L. is one of the oldest members, and she has been a member since the association began. This means that she has been a member of the A.C. Joyitas for eight and a half years. At 52 years of age, she has a large family, which is comprised of three married children, three children about to get married, and six children who are under the guardianship of Julia and her husband.

Julia says that she used to have a business selling food. Now, thanks to the help of one of her children, she learned how to sew jackets. She changed businesses, and now it is going better.

During these years the loans have been varied depending on the needs of the business. The request now is for Bs 1500, an amount that will cover the purchase of a roll of fabric and accessories like zippers, lining, cuffs, and thread.

Yuri F. and Jacquelina L. do not appear in the photo.
View original language description ↓
La Asociación Comunal “Joyitas” que trabaja en el centro focal de Panamericana cuenta con once integrantes, la asociación ya tiene 17 ciclos funcionando. Los negocios que las señoras declaran son: diferentes artesanías, tejido de chompas y producción, comerciante y venta de dulces, producción de calzados peinadoras, electrónica, serigrafía, tienda de abarrotes, costurera, venta de chamarras y producción de canastas artesanales.
Una de las socias más antiguas, Doña Julia L., indica que se encuentra desde la fundación de la asociación, eso significa que ya tiene 8 años y medio como socia de la A.C. Joyitas. A sus 52 años, ella cuenta con una gran familia que esta conformada por, 3 hijos casados, 3 hijos que están a punto de casarse y 6 hijos que están bajo la tutela de ella y de su esposo.
Doña Julia refiere que antes tenía un negocio de venta de comida, pero que ahora gracias a que uno de sus hijos aprendió a coser chamarras ella ha cambiado de negocio y ahora le va mejor.
Durante estos años los créditos han sido variados, de acuerdo a las necesidades del negocio, la solicitud de ahora es por Bs.1500.-, monto que le alcanzará para comprar un rollo de tela y accesorios, como cierres, forros, puño e hilo.

El joven Yuri F. y Jacquelina L. no salieron en la foto.

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

Success!! The loan was 100% repaid

A portion of Joyitas Group's $3,650 loan helped a member buy raw material.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 15, 2010
Listed
Mar 17, 2010
Currency Exchange Loss:
Covered
Ended:
Nov 16, 2010