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HERNAN is a retired 'rentier' (he lived on income made from investments or property). He has been retired for six years. He also helps ex- work colleagues and other people with retirement paperwork and proceedings. He has been doing this for three years and it is how he makes additional income for his household. Hernán is single and doesn't have any children. He lives in his older brother's house and helps him cover electricity and water expenses. He has lived there for a long time. The house is located in Ernesto Torrez neighborhood, in the city of La Paz.

Hernán will use his loan money to refurbish his home, in particular the roof because it leaks. In this way he will improve his own living conditions and those of his brother. This is his first loan and the socio-economic analysis we have performed qualifies him favorably to receive a loan.
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HERNAN es rentista jubilado hace ya seis años, también realiza el apoyo de tramites de jubilación a ex compañeros de trabajo y demás personas. Estos trámites lo va realizando ya hace tres años, es así como obtiene sus ingresos extras para su hogar. El señor Hernán es soltero y no tiene hijos, Vive en casa de su hermano mayor, el va apoyando en los gastos de luz eléctrica y de agua potable, ya hace mucho tiempo, la casa esta ubicada en la zona de Ernesto Torrez de la ciudad de La Paz.
El crédito lo utilizara para la refacción de la vivienda específicamente en el techo puesto que tiene goteras. Y así mejorar su forma de vida y la de su hermano.
Es su primer crédito y el análisis socioeconómico realizado lo califica favorablemente y puede acceder a un crédito.

Additional Information


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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Bolivia

  • $5,500
    Average annual income
  • 201
    View loans »
    Bolivia Loans Fundraising
  • $31,407,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hernan to repair the roof of his home to avoid problems with leaks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 4, 2011
Feb 10, 2011
Currency Exchange Loss:
Mar 15, 2012