When Marcela was very young, her father died. This meant that during her lifetime, as the eldest daughter, she has had to help her mother with the household expenses.
Currently, she is living alone and independently. However, every month she helps her mother by contributing in some way to the expenses of her younger siblings.
She has the desire to improve herself, so despite her scarce resources, she is going to university, studying for a degree in industrial engineering. She is paying for her studies with what she earns from selling her products; these earnings being a function of her business's performance from month to month.
She is used to getting up early, in order to go to classes, and as soon as she finishes her university hours, she goes to drop off catalogs at the various places where they know her, because of the time she has been selling her products. They call her as soon as they need some product.
Sometimes until late at night, she goes around to the places where friends and family members place orders with her, to then return to her home and devote herself to studying or to doing her university projects.
She will use the loan to increase the working capital of her business selling cleaning products and perfume.
Marcela a muy temprana edad quedo huérfana de padre, lo que hizo que en el transcurso de su vida, ella como hija mayor tenga que ayudar a su madre con los gastos familiares. Actualmente ella se independizo y vive sola, sin embargo todos los meses colabora a su madre de alguna manera con los gastos de sus hermanos menores. Ella tiene deseos de superación por lo que a pesar de sus escasos recursos esta estudiando en la Universidad, la carrera de Ingeniería Industrial, costea sus estudios con la ganancia de las ventas de los productos, siendo esta ganancia en función de como ella desenvuelva su actividad mes a mes. Esta acostumbrada a levantarse temprano para ir a clases, y en cuanto termina sus horarios de la Universidad, va a dejar catálogos a diferentes lugares donde por el tiempo que comercializa sus productos la conocen y la llaman en cuanto necesitan de algún producto. A veces hasta altas horas de la noche, va recorriendo lugares donde amigos, y familiares le hacen pedidos, para regresar a su casa y dedicarse a estudiar o hacer sus practicas de la Universidad. El dredito lo utilizara para aumentar capital a su actividad e venta de productos de limpieza y perfumes.
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.