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Justo is married, and has two school-aged children. They live in their in-laws' house, occupying a single small room with adobe walls and earth floor. The house is located in the Tembladerani area of the city of La Paz.

Currently, he works more than ten hours a day, doing all kinds of bodywork, and vehicle painting. He is the only one covering his family's expenses for education, food, and payment of basic services.

He needs the loan to buy paint and materials for carrying out his work in his auto body shop, as he wishes to improve his income.

Justo's dream is to get an "anticrético," in order to provide more comfort to his family and improve their quality of life.

This is the first time he has worked with IMPRO and Kiva.

As additional information, an "anticrético" is a legal agreement between the owner of a house or apartment and a potential tenant. It enables the latter to live in it for a period not greater than two years, in exchange for a sum of money delivered at the signing of the agreement, which will be returned at the termination of the agreement. This way, a tenant manages to save the money that they otherwise would have spent if they were to live in rented premises.
View original language description ↓
Justo, es casado y tiene dos hijos que están en etapa escolar, viven en la casa de sus suegros ocupando solo una habitación pequeña con paredes de adobe y el piso de tierra, la casa esta ubicada en la zona Tembladerani de la ciudad de La Paz.
Actualmente trabaja por más de diez horas realizando todo trabajo de chaperia y pintura de vehículos ya que es el único que cubre los gastos de educación, alimentación y pago de servicios básicos de su familia.
El crédito lo requiere para la compra de pintura y material para realizar sus trabajos en su taller de chaperia ya que desea mejorar sus ingresos.
El sueño de Justo, es conseguir un anticrético para dar más comodidad a su familia y mejorar su calidad de vida.
Es la primera vez que trabaja junto a IMPRO y KIVA.
Para una mayor información, un Anticrético es un acuerdo legal entre el dueño de casa o de departamento y un potencial inquilino para que este último pueda vivir por un tiempo no mayor a dos años, por una suma de dinero entregada a la firma del acuerdo y que será devuelta a la finalización del acuerdo. De esta manera, el inquilino logra ahorrar un dinero que de otra manera lo hubiera gastado si viviese en alquiler.

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
  • 233
    View loans »
    Bolivia Loans Fundraising
  • $31,613,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Justo to buy paint, sandpaper and other supplies, for his business repairing and painting vehicles.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Sep 19, 2012
Currency Exchange Loss:
May 24, 2014