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Joyitas Group
In this Group: Juana, Adela , Keila Maria , Concepción , Eudocia , Filomena, Sulma , Petrona, Eron Beltran
The “Joyitas” communal bank will begin its second loan cycle at Pro Mujer, as part of the Los Andes regional hub. It is made up of 9 members and is managed by a Board of Directors headed by Sra. Juana. The businesses carried out by members of the communal bank are varied and include: machine knitted skirts, a chauffeur, woven blankets, a general store, a bakery and a cleaning service.

Sra. Juan states that she has been working with Pro Mujer for a year and that she joined the organization by invitation from a supporter in the area. Currently she has a business that she started running recently selling machine knitted skirts, a craft she learned from her mother.

The loan that she will now take out is to increase her capital (to buy wool, thread and buttons wholesale) and she will work at home. This kind of work will enable her to generate income to support her family since she is a single mother and has two children.

When asked what she liked about Pro Mujer, she replied that she likes the fact that all of the disbursements are prompt.
View original language description ↓
La A.C. “JOYITAS” iniciará su segundo ciclo en Pro Mujer, como parte del centro focal Los Andes, está compuesta por nueve integrantes y está dirigida por una mesa directiva encabezada por la señora Juana. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: tejido de enaguas a máquina, chofer, tejido de mantas, tienda, panadería, limpieza

La señora Juana, indica que hace un año que trabaja en Pro Mujer y que integro la institución por invitación de una promotora de zona. En la actualidad ella tiene un negocio de venta de tejido de enaguas en máquina que viene trabajando recientemente, aprendiendo este oficio de su mamá.

El crédito que ahora sacará es para aumentar su capital (compra lana, hilos y botones) que adquirirá por mayor y los trabajará en su casa. Esta forma de trabajo le permitirá generar recursos para apoyar a su familia, pues ella es soltera y tiene dos hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta que todos los pagos son rápidos.

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
  • 130
    View loans »
    Bolivia Loans Fundraising
  • $33,237,800
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Joyitas Group's $2,600 loan helped a member to buy multi-colored wool, thread and buttons.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 1, 2011
Aug 22, 2011
Currency Exchange Loss:
Mar 15, 2012