María lives in the "Plan 3000" neighborhood in her own house, together with her children. She has sold cosmetics for the past two years. She has taken out a previous loan, for the purpose of increasing her working capital. This new loan is to buy construction materials to finish building a room in her house. María has expanded her customer base and thus has generated more income, which she is using to finish constructing her house. She has the support of her children, and she has had an excellent payment record. María is very proactive, always looking for ways to sell her products, and she is someone who always has a positive attitude with other people.
La Sra. María vive en la zona del plan 3000 en casa propia junto a sus hijos, ella es promotora de cosméticos desde hace 2 años, ya saco un crédito anterior que fue para aumentar su capital de trabajo. Este nuevo crédito es para la compra de material de construcción para terminar de construir un cuarto. La Sra. María ha aumentado su numero de clientes y de esa forma le ha generado mas ingresos con lo cual esta terminando de construir su casa y cuenta con el apoyo de sus hijos, ella ha tenido un buen comportamiento de pago. La Sra. María es muy proactiva, busca la forma de vender sus productos y es una persona que tiene una actitud positiva con las personas.
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 Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.