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Hortencia Reina
Sra. Reina is a merchant who has been selling perfumes, makeup, and crèmes of different brands for more than eight years. However, the brand that sells the best is Esika since there is great demand for those products. Sra. Reina is a widow and has been able to move forward with her three children. She is a very loving and self-sacrificing mother who strives to help her children get ahead in their studies as well as in their personal life. Reina takes her products to different places to sell, including businesses and institutions where her customers know her. In addition, she extends credit for her products. People know her very well for being a pleasant individual whenever they place orders with her. Reina is able to complete her sales so that she can pay her bills on time and ensure that her orders arrive promptly. She also partners with the sales director of her company since they receive incentives in the form of gift products for working together. Reina then sells these products as a way of generating extra income.

This loan will be used as operating capital to increase her inventory of products for sale. As a result, Reina will be able to earn more profit and provide her children a better standard of living.

View original language description ↓
señora Reina es comerciante, vende perfumes, maquillaje y cremas de diferentes líneas hace más de 8 años, pero con la marca que le va mejor es con la línea Esika debido a la gran demanda que tiene esta línea. La Sra. Reina es Viuda y tuvo que salir adelante con 3 hijos, es una madre muy cariñosa y abnegada por lo que siempre se esfuerza para que sus hijos salgan adelante tanto en sus estudios como en sus vidas personales. Lleva los La productos para vender a diferentes lugares, como empresas e Instituciones en las que sus clientes la conocen por que ella además deja sus productos a crédito, la conocen bastante bien pues es una persona cumplida en cuanto a los pedidos se refiere, asimismo ella logra hacer sus ventas para pagar sus facturas a tiempo de modo que le lleguen sus pedidos a tiempo. Tambien trabaja colaborando a su directora de la empresa de modo que tiene incentivos que son productos de regalo que le llegan por la colaboración que realiza, así es que tiene estos productos también para la venta, con lo cual tiene un ingreso extra.
El destino del crédito es para capital de operación, con lo cual incrementara los productos que vende y de esa manera podrá tener más utilidades y ofrecer un mejor nivel de vida a sus hijos.

Additional Information


CIDRE is a Bolivian microfinance institution with a strong social commitment to the community. It works to provide quality financial services to rural and peri-urban borrowers, focusing primarily on agricultural loans for dairy farmers and micro-enterprises. CIDRE targets segments of the population that have not traditionally had access to credit, and invests in much-needed community development projects. It is currently working with coca farmers in the Chapare region to replace coca with less controversial crops. Get more involved by joining the Friends of CIDRE lending team.

About Bolivia

  • $5,500
    Average annual income
  • 200
    View loans »
    Bolivia Loans Fundraising
  • $31,424,025
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Hortencia Reina to buy merchandise.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 2, 2012
Mar 9, 2012
Currency Exchange Loss:
Mar 15, 2013