Ms. Emma lives in her mother-in-law's house in the Alto Sopocachi zone of the city of La Paz. She is married and her husband is a retired pensioner.
In order to help her family, she sells products from Avon, Essika, and Yanbal. She earns income that helps cover their household expenses.
She will use this loan to increase her capital going into the Christmas season and to have more products available for her year-end sales. She will use $200 USD for this purpose and will use the remaining $400 USD to pay her son's tuition, room and board at the Univalle University.
This is her first time coming to Impro to request a loan, but she qualifies to obtain one for this purpose.
La señora Emma vive en casa de su suegra en a zona de Alto Sopocachi de la ciudad de La Paz , esta casada y el esposo es rentista jubilado.
Emma, para ayudar en la casa a la familia, vende productos Avon, Essika, Yambal donde percibe un ingreso que le ayuda para solventar algunos gastos en el hogar.
El crédito que solicita es para aumentar su capital por la época de Navidad y tener más disponibilidad de productos para sus ventas de fin de año. Para esta actividad utilizará $us 200 y los restantes $us 400 los usará para pagar la matrícula y pensión en la Universidad UNIVALLE para su hijo.
Esta es la primera vez que se aproxima a Impro para solicitar un crédito, pero por la actividad califica para obtener uno.
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.