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Ruben Javier
Sr. Rubén sells children’s clothing and has been in this business for more than three years. He inherited this business from his older sister because she no longer wanted to continue. With great effort, he established a new market by traveling to Santa Cruz and Oruro where he is able to restock his merchandise. To date, he has more than 50 established customers who are extended credit for buying clothing at wholesale. Rubén sells at the fairs as a wholesaler from dawn until noon. He has worked hard to build up his assets and is grateful to Emprender for providing the support for his current and future needs.

Rubén lives at the home of a relative. He is single, but plans to start a family in the future. The money from this loan will be used to buy clothing in bulk since he has an order that he needs to fulfill.

View original language description ↓

El sr. Rubén se dedica a la venta de ropa de niños hace mas de tres años que se dedica a este negocio, el cual fue heredado por parte de su hermana mayor quien ya no se dedica a este negocio, el sr. En un gran esfuerzo se abrió mercado viajando a Santa Cruz y Oruro para abastecerse de mercadería, a la fecha cuenta con mas de 50 clientes fijos a los cuales les deja a crédito las prendas al por mayor, vende por las mañanas en las ferias desde la madrugada hasta media mañana como mayorista, el sr. Se esforzó mucho para alcanzar su patrimonio y agradece a emprender por haberle brindado el apoyo que necesito en su debido momento y lo sigue haciendo. El señor vive en casa familiar, es soltero pero piensa en un futuro formar su familia, con el dinero del crédito comprara ropa por mayor ya que tiene que entregar un pedido.

Additional Information

About Emprender

Emprender has been working in Bolivia since 1999. It is dedicated to becoming a key tool in the development of its clients and the improvement of their quality of life. Operating in three of Bolivia’s major cities – La Paz, Cochabamba, and Santa Cruz – Emprender offers both urban and rural clients the opportunity to obtain financial products tailored to fit their needs and businesses. These products include housing loans, salary loans, “opportunity” (short-term) loans, and higher education loans. To better the quality of life for its clients and non-clients through non-financial services, Emprender offers free medical consultations and health classes given by trained doctors.

About Bolivia

  • $5,500
    Average annual income
  • 155
    View loans »
    Bolivia Loans Fundraising
  • $32,292,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ruben Javier to buy children's clothing in bundles.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Sep 29, 2011
Oct 14, 2011
Currency Exchange Loss:
Feb 15, 2013