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Creciendo Juntas Group
In this Group: Ana Maria, Margarita, Alejandra Marioly, Elina, Mayra, Sandra, Selena, Nataly, Beatriz, Griselda, Graciela, Maria Gaby, Claudia Paola
Ana Maria represents the Creciendo Juntas Communal Bank. It is comprised of 13 very active and united members. They demonstrated this in their previous cycle. They had some problems with three members who did not want to pay their obligation. But, their unity and effort maD. them get ahead and pay their loan punctually.

Ana Maria makes and sells homemaD. bread in the door to her house. In the afternoons she sells soft drinks. She has three children, and one is independent. She is married and lives in her own house. The loan is to buy supplies to make a greater quantity of bread to distribute to stores that are close to her home.

The rest of the group sells clothes, cosmetics, baked goods, or food. The competition is strong, but the members have experience and know how to get ahead without thinking about the adversities.

The loan is to buy supplies and tools that will speed up their work. It is also to buy merchandise to increase their earnings, which support their families. They struggle day to day to get them ahead, for a better education, and for better food. Their greatest hope is to be able to grow in their businesses and that they generate greater earnings to improve the quality of life for their families.
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El banco comunal “Creciendo Juntas” esta representado por la señora Ana Maria y conformado por 13 socias muy activas y unidas como lo demostraron en su anterior ciclo en la cual tuvieron algunos problemas con tres miembros que no quisieron pagar sus obligaciones pero su unidad y esfuerzo las hicieron salir adelante y lograr pagar con puntualidad su crédito. La señora Ana Maria elabora y venD. pan casero en la puerta D. sus casa y por las tardes se dedica a la venta D. refrescos ella es madres D. tres hijos una ya independiente, ella es casada y resiD. en sus casa propia, ella destinara el crédito a la compra D. insumos para elaborar una mayor cantidad D. pan y distribuir la misma a tiendas cercanas a su domicilio. El resto del grupo se dedica a la venta D. ropa, cosmética, horneados y a la venta D. comida. La competencia es fuerte pero las socias tienen experiencia y saben como salir adelante sin pensar en las adversidades. El crédito será utilizado para la compra D. insumos, herramientas que ayuden a agilizar su trabajo y a la compra D. mercadería para incrementar sus ganancias que son el sustento D. sus familias por las que luchan día con día para sacarlas adelante por una mejor educación y una mejor alimentación. Su mayor expectativa es poder crecer en sus negocios y que estos generen mejores ganancias para mejorar la calidad D. vida D. sus familias.

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
  • 111
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    Bolivia Loans Fundraising
  • $28,250,825
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  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD