Update on MirthaMirtha is married and has fice children, three of which are are school age. They live in their own house occupying four rooms. The house is located in the city of La Paz’s Alto Llojeta zone.
She currently gets income from working as a doctor for over six hours a day. Sometimes she covers the all night shift because she needs to cover her family’s expenses for food, education, and basic services. The family also has income from her husband, a carpenter.
The loan that she needs is to repair her house. The walls are very damaged, and she wants to change the plywood sheets on the roof. She also wants to fix the ceilings because when it rains lots of water gets in.
Mirtha’s dream is to build more rooms and to make her family more comfortable. This way she would improve their quality of life.
This is the second time she has requested a loan with IMPRO and the second with Kiva.
Actualmente percibe ingresos ya que trabaja como médico por más de seis horas al día y a veces cubre turnos toda la noche, ya que debe pagar los gastos de alimentación, educación y pago de servicios básicos de su familia, también cuenta con los ingresos de su esposo ya que se dedica a la carpintería.
El crédito lo requiere para la refacción de su vivienda ya que sus paredes se encuentran muy deterioradas y desea cambiar las calaminas del techo y hacer arreglar el tumbado ya que en tiempos de lluvia entra mucha agua.
El sueño de Mirtha, es construir más habitaciones y dar más comodidad a su familia de esta forma mejorar su calidad de vida.
Es la segunda vez que solicita crédito junto a IMPRO y la segunda vez con KIVA.
Previous Loan DetailsMirtha is a doctor in a community center and her husband’s a carpenter. She needs the loan to buy medical equipment to set up a small private medical office to improve her income and help her husband with household expenses. She lives in her own house located in the city of La Paz’s Alto Llojet... More from Mirtha's previous loan »
About IMPROIMPRO 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
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Success!! The loan was 100% repaid
- Repayment Term
- 18 months (Additional Information)
- Repayment Schedule
- Aug 31, 2012
- Sep 17, 2012
- Currency Exchange Loss:
- Jan 18, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.