Carmen is 24 years old. She is single, with one child who is two years old. She works selling secondhand clothing. She has her sales stand in a very popular area of the city of Santa Cruz. This loan represents her fourth cycle with the institution. Carmen will use this loan for working capital, buying winter clothing to stock her business. Her reason for requesting this loan is to increase her working capital. Carmen faces challenges in her business such as competition, and she will use the benefits to keep increasing her working capital and continue saving up, because her desire is to have a house of her own.
La Sra. Carmen tiene 24 años y es soltera con un hijo que tiene la edad de 2 años, ella se dedica a la venta de Ropa de segunda mano, tiene su puesto de venta en una zona muy popular de la ciudad de Santa Cruz, este préstamo es su cuarta secuencia dentro de la institución, la Sra. Carmen va a usar este préstamo para Capital de trabajo (compra de ropa de invierno) para surtir su negocio. Su razón para solicitar este préstamo es Aumentar su capital de trabajo, la Sra. Carmen enfrenta retos en su negocio que son la competencia y va a utilizar los beneficios en seguir incrementando su capital de trabajo ir ahorrando ya que su deseo es tener su casa propia.
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.