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34-Cielo Radiante - 34 Group
In this Group: Maria Rocio, Yamir Consuelo, Fabiola, Ivan Mauricio, Jorge, Karen, Maria Jacquelin, Samantha
The Entrepreneurship Bank 34 - Cielo Radiante - 34 is composed of eight members, of whom six are women and two are men. They are engaged in various activities.

María is 41 years old, is married and has three children who are in school age. She is engaged in selling cosmetics by catalog, selling her products as a street peddler. She visits homes and public and private offices in the city of Cochabamba, where she offers her products.

This loan is her third sequence within the institution. María will use this loan to buy cosmetics and jewelry in bulk and in sale, and thus she provides variety of products to her customers and increases her profits. The reason for applying for this loan is to continue improving in her business. María will use the benefits to keep buying variety of beauty products.

María is very hard-working, she feels happy for the opportunity given to her and her fellow group members because, in many cases, they get their families ahead alone.
View original language description ↓
El Banco de Emprendimiento 34-CIELO RADIANTE – 34 está compuesta por ocho integrantes de los cuales seis son mujeres y dos varones que se dedican a distintas actividades, La Sra. María tiene 41 años, es casada con tres hijos que se encuentran en edad escolar, ella se dedica a la venta de cosméticos por catalogo, ella vende sus productos de manera ambulante, visitando domicilios y oficinas públicas y privadas de la ciudad de Cochabamba, donde ofrece sus productos, este préstamo es su tercera secuencia dentro de la institución, la Sra. María va a utilizar este préstamo para la compra de cosmético y joyas por mayor y que se encuentran en promoción y de esta manera brindar variedad de productos a su clientela e incrementar sus ganancias, su razón para solicitar este préstamo es seguir mejorando en su negocio, la Sra. María va a utilizar los beneficios para seguir comprando variedad de productos de belleza, la Sra. María es una persona muy trabajadora se siente feliz por la oportunidad brindada a ella y a sus compañeras de grupo que en muchos casos sacan adelante a su familias solas.

Additional Information

About Emprender

Emprender has been working in Bolivia since 1999. It is dedicated to becoming a key tool in the development of its clients and the improvement of their quality of life. Operating in three of Bolivia’s major cities – La Paz, Cochabamba, and Santa Cruz – Emprender offers both urban and rural clients the opportunity to obtain financial products tailored to fit their needs and businesses. These products include housing loans, salary loans, “opportunity” (short-term) loans, and higher education loans. To better the quality of life for its clients and non-clients through non-financial services, Emprender offers free medical consultations and health classes given by trained doctors.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Bolivia

  • $5,500
    Average annual income
  • 165
    View loans »
    Bolivia Loans Fundraising
  • $32,260,600
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of 34-Cielo Radiante - 34 Group's $3,975 loan helped a member to purchase cosmetics and jewelry in bulk.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Oct 3, 2012
Currency Exchange Loss:
May 17, 2013