This is the second time that she is requesting a loan with Impro and help from Kiva. Her last loan was paid off in full in December, which is why she's requesting a new loan. Her history qualifies her as a 1-rated client, which means she has a good payment history. The requested amount will go towards purchasing merchandise (wallets, bags, and briefcases). Her work and experience qualify her to take out a new loan. Since she has experience in this business, the income she makes will let her pay back her loan and cover her personal needs.
Translated from Spanish by Tanya Harper, Kiva volunteer
Historia del Cliente: La señora Juliana compra carteras y billeteras de cuero y cuerina y vende ambulando en las ferias de la zona sur, trabaja sola ya que su esposo es albañil. Vive en la zona de Callapa.
Es la segunda vez que solicita un crédito en Impro y la segunda vez que solicita ayuda de Kiva. Su última cuota ha sido cancelada en diciembre por lo que solicita un nuevo crédito. Su historial la califica como cliente 1 es decir con cumplimiento bueno en el pago de sus cuotas. El monto solicitado será destinado para la compra de mercadería (carteras, billeteras y maletines).Su trabajo y experiencia le permiten acceder a este crédito ya que tiene experiencia en su negocio, el cual le da ingresos para cubrir el préstamo y sus necesidades personales.
About IMPROIMPRO 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.
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Success!! The loan was 100% repaid