Raúl is married, and he does not have children. He lives in his parents’ house, and he occupies only one room, which has brick walls and a dirt floor. The house is in the Ciudadela zone in the city of La Paz.
He currently receives income because he works as a bookkeeper for over ten hours a day at a private company. He works because he needs to cover the food expenses and pay for his family’s basic services. He is unable to pay for his education with the little income he earns.
He needs the loan to pay for the tuition at the university. He is studying Public Accounting. Raúl’s dream is to complete his career studies and to improve his income. He will do this to be able to become independent and improve his family’s quality of life.
This is the second time that he has requested a loan from IMPRO and Kiva.
Raúl, esta casado y no tiene hijos, vive en la casa de sus padres ocupando solo una habitación con paredes de ladrillo y el piso de tierra, la casa esta ubicada en la zona Ciudadela de la ciudad de La Paz.
Actualmente percibe ingresos ya que trabaja como auxiliar contable por más de diez horas al día en una empresa privada, ya que debe cubrir los gastos de alimentación y pago de servicios básicos de su familia y con lo poco que gana no le alcanza para pagar sus estudios.
El crédito lo requiere para el pago de su matricula en la universidad, pues está estudiando en la facultad de contaduría pública.
El sueño de Raúl es terminar su carrera y mejorar sus ingresos para poder independizarse y mejorar la calidad de vida de su familia.
Es la segunda vez que solícita crédito junto a IMPRO y KIVA.
IMPRO is a small non-profit organization that has been offering micro credit to the working poor in the Bolivian cities of La Paz and El Alto since 1995. IMPRO’s goal is to fight poverty by offering loans to small business owners who cannot access credit through the regular banking system due to a lack of guarantees or collateral.
To ensure that everyone has access to credit, IMPRO maintains a low interest rate by minimizing operational costs. IMPRO’s partnership with Kiva, which began in 2007, has allowed IMPRO to expand its services while maintaining these low interest rates.