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Efraín is single, and has a school-aged son. He lives in his parents' home, occupying a single, small room with brick walls and earth floor. The house is located in the Tembladerani area of the city of La Paz.

Currently, he works more than 10 hours a day and until late at night driving the the taxi that he owns. His must cover his family's expenses for education, food and payment of basic services.

He needs the loan for maintaining his vehicle. He wishes to replace some parts (air filter, brake pads), replace the brake fluid and do general maintenance, as this is the only source of work he has for supporting his family.

Efraín's dream is to improve his income in order to obtain a house through "anticrético" (lump-sum loan provided in exchange for housing tenure, where the loan must be paid back to the lender/occupant at the end of a specified period). This is in order to provide more comfort to his family, as he wishes to improve their quality of life.

This is the third time he has applied for a loan with IMPRO, and the first time with Kiva.
View original language description ↓
Efraín, es soltero y tiene un hijo que esta en etapa escolar, vive en la casa de sus padres ocupando solo una habitación pequeña con paredes de ladrillo y el piso de tierra, la casa se encuentra ubicada en la zona Tembladerani de la ciudad de La Paz.
Actualmente trabaja por más de diez horas al día y hasta altas horas de la noche como chofer propietario de un taxi, ya que debe cubrir los gastos de educación, alimentación y pago de servicios básicos de su familia.
El crédito lo requiere para el mantenimiento de su vehículo ya que desea cambiar algunos repuestos (filtro de aire, liquidos para frenos, pastillas para frenos y mantenimiento en general) ya que es la única fuente de trabajo que tiene para mantener a su familia.
El sueño de Efraín, es mejorar sus ingresos para conseguir una casa en anticrético para dar más comodidad a su familia ya que desea mejorar su calidad de vida.
Es la tercera vez que solicita crédito junto a IMPRO y la primera vez con KIVA.

Additional Information


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.

About Bolivia

  • $5,500
    Average annual income
  • 204
    View loans »
    Bolivia Loans Fundraising
  • $31,480,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Efrain to pay expenses for maintaining his taxi.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 10, 2012
Sep 19, 2012
Currency Exchange Loss:
Oct 17, 2013