María lives in a rented house in the Las Lomas sector in the west side of La Paz. She is single and has a 6 year old daughter. She is employed as a cleaning lady in a private home but she also collects recyclables. Income from these activities is used to support her family.
The loan she got previously was for capital to make it possible for her to work with recyclable items. She has had 5 Impro loans and she is very satisfied with the loans we provide.
The loan she’s asking for now is for a two-bedroom anticrético contract in order to live more comfortably and save some money in order to have a three or more bedroom anticrético in the future as well as savings for emergencies. (Anticrético is a transaction whereby a property owner requests a "loan" from you in exchange for housing, which must be paid back to you at the end of your contract. If your loan is not repaid, the property owner loses the property to you)
Her credit history qualifies her for a new loan because she’s considered to be a good client.
Maria reside en vivienda alquilada en la zona de Las Lomas, ladera oeste de la ciudad de La Paz, es soltera y tiene una hija en 6 años; ella es empelada de limpieza en una vivienda particular así como tambien se dedica a la recolección de material para reciclaje, con los ingresos que obtienen mantienen a su familia; el crédito que saco anteriormente fue para el capital que le permitiera trabajar con reciclados, es cliente de Impro con 5 créditos. La señora se encuentra satisfecha con los créditos que le otorgamos.
El crédito que ahora solicita es para un contrato de anticrético de dos habitaciones para tener mayor comodidad y ahorrar un poco de dinero para en el futuro tener un anticrético de tres o más habitaciones o un dinero guardado para emergencias.
Por su antecedente histórico califica para obtener un nuevo crédito se considera buen cliente.
IMPRO is a small non-profit organization that has been offering micro credit to the working poor in the Bolivian cities of La Paz and El Alto since 1995. IMPRO’s goal is to fight poverty by offering loans to small business owners who cannot access credit through the regular banking system due to a lack of guarantees or collateral.
To ensure that everyone has access to credit, IMPRO maintains a low interest rate by minimizing operational costs. IMPRO’s partnership with Kiva, which began in 2007, has allowed IMPRO to expand its services while maintaining these low interest rates.
A loan of $1,000 helped Maria for cost of a two-bedroom “anticrético” contract. (Anticrético is a transaction whereby a property owner requests a "loan" from you in exchange for housing, which must be paid back to you at the end of your contract. If your loan is not repaid, the property owner loses the property to you).