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Bernitas Group
In this Group: Guadalupe Anyela, Aymara Raquel, Eloisa , Jhenny, Jorge Luis, Ofelia , Ilda Marina , Evia Keneth
The BERNITAS community bank is about to start its first loan cycle with Pro Mujer, as part of the Villa Exaltación regional office. The bank has eight members and is managed by a board of directors which is led by Guadalupe. The businesses which are carried out by the members of this group are varied and include: sewing vests, distributing beer, selling cold meats and derivative products, selling meals, knitting, selling cosmetics and running a public vehicle.

Guadalupe tells us that this is her first loan cycle with Pro Mujer and she joined through information from her mom. They invited her to take out a loan. Guadalupe currently has a business machine knitting sweaters. She has been in this business for three years. She learned this trade from her sisters-in-law and started out knitting by hand.

Guadalupe will use her loan to buy an overlock machine (to improve the quality of her products). She buys the materials that she uses to make her sweaters from wholesalers in Desaguadero. When she has made her products she sells them in La Ceja and also sells them to family members who sell them wholesale. Through her work, she makes income to support her family. She is married and has one child.

When we asked her what she likes about Pro Mujer, she replied that she likes the ease of the loans and the health services.
View original language description ↓
La A.C. “BERNITAS” iniciará su primer ciclo en Pro Mujer, como parte del Centro Villa Exaltación, está compuesta por ocho integrantes y está dirigida por una mesa directiva encabezada por la señora Guadalupe. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: costura de chalecos, distribución de cerveza, venta de embutidos y derivados, venta de comida, venta de comida, tejido en lana, venta de cosméticos, vehiculo público.

La señora Guadalupe, indica que es el primer ciclo que integra Pro Mujer y que ingreso por información de mi mamá que le invitaron para sacar crédito. En la actualidad ella tiene un negocio que consiste en tejidos de chompas a máquina, que viene trabajando hace tres años; este oficio lo aprendió de sus cuñados empezando con tejidos a mano.

El crédito que ahora sacará es para la compra de máquina overlok (para mejorar la calidad de sus productos). El material que utiliza para la elaboración de sus chompas lo compra del Desaguadero de las mayoristas; posterior a la elaboración lo vende en la Ceja y a parientes que venden por mayor. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella es casada y tiene un hijo.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta la facilidad del crédito y el apoyo para la salud.

Additional Information

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.

About Bolivia

  • $2,817
    Average annual income
  • 78
    View loans »
    Bolivia Loans Fundraising
  • $29,481,750
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Bernitas Group's $2,325 loan helped a member to buy an overlock machine.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 11, 2011
Listed
May 16, 2011
Currency Exchange Loss:
Covered
Ended:
Nov 15, 2011