Andrea is single and has no children. She lives in a rented room in the north part of the city of La Paz. She is currently studying to become a secretary at night and during the day works as a secretary in a private firm since she has to pay rental, educational and food costs. She needs the loan to buy a computer that will be very useful in her studies and at work because the salary she earns working more than 8 hours daily isn’t sufficient to do so.
Andrea’s dream is to improve her income and to acquire a house under the ‘anticrético’ modality [transaction whereby a property owner requests a "loan" from you in exchange for housing, which must be paid back to you at the end of your contract. If your loan is not repaid, the property owner could lose the property to you] to save on rental costs and also to improve her quality of life. This is the first time she’s asked for credit from IMPRO and KIVA.
Andrea es soltera y no tiene hijos vive en una habitación en alquiler en la zona norte de la ciudad de La Paz.
Actualmente estudia secretariado en un instituto por las noches y en el día trabaja como secretaria en una empresa privada ya que debe cubrir los gastos de alquiler, alimentación y educación.
El crédito lo requiere para la compra de una computadora ya que le será de mucha ayuda en sus estudios y en su trabajo, por que con los ingresos que tiene trabajando por más de ocho horas al día no le alcanza para poder comprarse.
El sueño de Andrea es mejorar sus ingresos y adquirir una casa en anticretico para ahorrar en los pagos de alquileres y también mejorar su calidad de vida.
Es la primera vez que solicita 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.