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Tres Marias Group
In this Group: Teresa Jimena, Jannette Tatiana, Patricia Debora , Maria Esther, Silvia Andrea, Carmen Ivet, Magda Isabel, Olivia
The “TRES MARIAS” ["Three Marias"] communal bank is beginning its second loan cycle with Pro Mujer, as part of the Santiago II Center. It is made up of eight members and led by a board of directors, headed by Teresa. The businesses carried out by the members of the communal bank are varied, including CD sales, the sale of artifacts, food sales, embroidery, shoe production and sales, coca sales, and the production of tailored jackets.

Teresa indicates that this is the fifth month she has worked with Pro Mujer, and she joined on the invitation of a neighbor. Currently, she has a business providing computer-based embroidery, which she has operated for six years. She reports that she learned this business as a student, since she studied information technology.

The loan she is now requesting is to increase her capital (buying fabric for her designs, thread, backing material, etc.). She will buy these items wholesale at La Ceja market, and she will produce her products at home every day. This manner of working allows her to generate resources to support her family as much as possible, since she is married and has one child.

When she is asked what she likes about Pro Mujer, she responds that she likes the friends there and the ease of gaining access to health care.
View original language description ↓
La A.C. “TRES MARIAS” iniciará su segundo ciclo en Pro Mujer, como parte del Centro Santiago II, está compuesta por ocho integrantes y está dirigida por una mesa directiva encabezada por la señora Teresa. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: venta de CD’s, venta de artefactos, venta de comida, bordador, producción y venta de zapatos, venta de coca, costura de chamarras.

La señora Teresa, indica que este es el quinto mes que trabaja con Pro Mujer, ingresando por invitación de una vecina. En la actualidad ella tiene un negocio de bordados en computadora, que lleva trabajando hace seis años atrás; ella nos cuenta que este negocio lo aprendió estudiando, pues de profesión es informática.

El crédito que ahora sacará es para aumentar su capital (compra de tela para diseño, hilos, pello, etc.), que compraran por mayor de la ceja y elaborara los productos en su casa todos los días. 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 las amigas ya la facilidad de acceder al consultorio de 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

  • $5,500
    Average annual income
  • 198
    View loans »
    Bolivia Loans Fundraising
  • $31,424,025
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Tres Marias Group's $2,625 loan helped a member to buy fabric, thread and backing material.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
May 20, 2011
Jun 10, 2011
Currency Exchange Loss:
Jan 15, 2012