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Las Estrellas De 3J Group
In this Group: Verónica , Lidia , Saturnina , Monica , Aide Marlene, Bethzabe Rosa
The community bank "Estrellas de 3J", is starting its first loan cycle with the regional office Pro Mujer in Juan Pablo. The group is comprised of six members and is overseen by a board of directors, of which Verónica is the president.

The members are engaged in various business, including the sale of jewelry, beer, sweatshirts, coats, and cleaning tools, as well as fruits and vegetables.This loan will benefit these small microbusinesses.

Verónica reports that this is the group's first time working with Pro Mujer. She was invited to work with them by a friend who works for the institution. Currently she has a business selling jewelry. She says that she began selling jewelry years ago in order to help her parents. She later established her own business.

She will use her portion of the loan proceeds to purchase gold at wholesale and to make jewelry to order for her customers. This form of work will enable her to generate resources to support her family to the greatest extent possible. She lives with her common-law husband and their son.

When asked what she likes about Pro Mujer, she reported that she likes the training in the areas of health and finances.
View original language description ↓

La A.C. “ESTRELLAS DE 3J” iniciará el primer ciclo en Pro Mujer, como parte del Centro Focal de Juan Pablo, está compuesta por seis integrantes y está dirigida por una mesa directiva donde la señora Verónica es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: venta de joyas, venta de cerveza, venta de busos, venta de enaguas, venta de lavadores de plástico, venta de fruta y pescado.

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Verónica es una integrante, ella indica que es la primera vez que integra Pro Mujer, ingresando por invitación de su amiga que es socias de la institución. En la actualidad ella tiene un negocio de venta de joyas, ella cuenta que inicio esta actividad hace años cuando ayudaba a sus padres en este oficio, posteriormente ella estableció su propio negocio.

El crédito que ahora sacará es para el aumento de capital (compra de oro) que comprará de las tiendas mayoristas y posteriormente a la elaboración lo comercializará en las personas solicitantes. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella vive en concubinato y tiene un hijo.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones en crédito y salud.

Additional Information

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
  • 164
    View loans »
    Bolivia Loans Fundraising
  • $33,362,700
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Estrellas De 3J Group's $1,475 loan helped a member to buy gold.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 12, 2012
Oct 5, 2012
Currency Exchange Loss:
Jan 15, 2013