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Amanecer Mercedes Group
In this Group: Luz Karina , Blanca Elizabeth, Epifania , Flor Sabina, Marisol , Amalia, Gloria*, Zully
* not pictured
The “Amanecer de Mercedes” (Dawn of Mercy) communal bank is beginning its 2nd cycle of loans with Pro-Mujer (Pro-Woman), as part of the Centro Cascada (Cascade Center). The bank is composed of 8 members and is directed by a board headed by Luz Karina. The businesses pursued by members of the communal association are varied. Among them we have: selling costume jewelry and fruit juices, selling hose, a merchant, making macrame, a neighborhood store, making artisan crafts, a locksmith shop, and a confectioner's shop.

Luz Karina has been with Pro-Mujer for 5 months, having been invited by a promoter. At present, she has a confectioner's shop, or bakery, which she has operated for some 21 years.

The loan she now seeks is for buying electrical equipment from La Ceja for the bakery. With this she will bake her products and sell them by order. This form of work allows her to generate resources to help her family as much as possible, since she is single and has 4 children.

When asked what she likes about Pro-Mujer, Luz Karina said she likes the rapid access to funds.

In the photo, the member Gloria is not present due to a medical consultation.
View original language description ↓
La A.C. “AMANECER DE MERCEDES” iniciará su segundo ciclo en Pro Mujer, como parte del Centro Cascada, está compuesta por ocho integrantes y está dirigida por una mesa directiva encabezada por la señora Luz Karina. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: venta de bisutería y juguetería, venta de medias, comerciante, tejido a macramé, tienda de barrio, artesanía, cerrajería, repostería.

La señora Luz Karina, indica hace cinco meses que trabaja con Pro Mujer, ingresando por invitación de una promotora. En la actualidad ella tiene un negocio de respoteria o panadería que viene trabajando hace veinte y un años.

El crédito que ahora sacará es para aumentar su capital (compra de herramientas eléctricas para la panadería), que comprara de la Ceja y posteriormente la elaboración de sus productos los venderá a pedido. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella es soltera y tiene cuatro hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta sacar dinero rápido.

En la fotografía no aparese la señora Gloria, ya que se encuentra en consulta medica.

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
  • 233
    View loans »
    Bolivia Loans Fundraising
  • $31,576,425
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Amanecer Mercedes Group's $3,200 loan helped a member to buy electrical equipment for her bakery.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 16, 2011
Sep 26, 2011
Currency Exchange Loss:
May 15, 2012