Las Cabañitas Group
Fabiola is president, Fátima is treasurer and Miriam is secretary. There are women in the group who sell cosmetics, clothing and other items; one is a teacher. The meetings are on Thursdays at 9:30am in Sandra’s house. They are new clients but happy to cooperate with Emprender because in their communal bank training they established a savings projection that at the end of the cycle they’ll learn to save and share with their friends every 14 days.
Fabiola, president, is married and has two small children. She’s an itinerant cosmetics salesperson in various popular markets, zones and places where she works. Besides this work, she’s also a teacher and she does well with her business. She learned to save and to have self-esteem in the communal bank; she feels useful with the training she gets. Fabiola’s dream is to have her own display case, her store, and to make progress in life thus improving her quality of life.
All the members are grateful to Emprender and to Kiva for the trust placed in them by granting the loan.
Como PRESIDENTA tenemos a la señora Fabiola, TESORERA la Sr. Fátima y SECRETARIA la Sra. Miriam, en el grupo hay señoras que se dedican en mayoría en la venta de cosméticos, ropa, profesora, y otros. Las reuniones se llevan acabo los días jueves a horas 09:30 AM en la casa de la señora Sandra. Los nuevos clientes, están conformes de trabajar con Emprender debido a que dentro de la capacitación del B.E. LAS CABAÑITAS se les estableció una proyección de sus ahorros a la finalización del ciclo en la cual aprenderán a ahorrar y compartir con sus amigas cada 14 días.
FABIOLA (Presidenta), esta casada y tienne dos hijos pequeños, vende de cosméticos de manera ambulante en diferentes mercados populares, zonas y en el establecimiento donde trabaja, a parte de esta actividad es profesora en y le va bien el negocio. En el banco comunal ha aprendido a ahorrar, a quererse y valorarse como persona, siente útil con lo que le enseñan en las capacitaciones. El sueño de la señora Fabiola es tener su propia vitrina ,su tienda de negocio ,y progresar en la vida y asi mejorar su calidad de vida.
Todas las socias estan agradecidas con Emprender y Kiva por la confianza brindada en la otorgacion dle credito.
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