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Ninoska
Ninoska is a young woman who is quite the entrepreneur and very dedicated to her work and household. Several years ago her parents went into debt when they purchased their home and three years ago Ninoska's mother had a stroke. Therefore all of her father's income has been used to care for her mother, and the debt was put into Ninoska's name so she is now covering payment.

Her work consists of handling legal transactions, transfer of property titles, transit and mortgage tax services and everything related to legal paperwork. She is studying law which has given her the knowledge she needs to do her work, but says where she learns more through hands-on transactions and legal action. Unfortunately, her mother is still ill and the doctors have recommended that she live somewhere such as Cochabamba. She has blood pressure problems and the altitude of La Paz makes them worse. Ninoska travels on weekends to see her mother and help out with related expenses.
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Ninoska es una joven, bastante emprendedora es muy dedicada a su trabajo y también a su hogar. Sus padres hace varios años contrajeron una deuda para la compra de su vivienda, pero hace 3 años que la madre de Ninoska sufrió una embolia, por lo que todos los ingresos de su Padre se tuvieron que invertir en la salud de su mamá, por tal motivo hicieron un traspaso de la deuda a nombre de Ninoska y actualmente ella se hace cargo de esta deuda. Ella desenvuelve su actividad laboral, realizando tramites legales, transferencia de nombre en títulos de propiedad, realiza gravamen en el transito e hipoteca de bien inmuebles en derechos reales, y todo lo relacionado a tramites legales, es estudiante de la carrera de Derecho, lo cual también le dio el conocimiento para realizar algunos de estos trámites, sin embargo ella dice que en el trabajo es donde mas esta aprendiendo sobre estos tramites y sobre acciones legales. Lamentablemente su señora madre continua delicada de salud, los médicos aconsejaron que viva en un lugar como Cochabamba pues tiene problemas con la presión arterial y en La Paz la altura le perjudica aun mas, Ninoska viaja a esa ciudad casi todos los fines de semana con el fin de ver a su madre y además de contribuir con algunos gastos para la mantención de la misma.

Additional Information

About CIDRE

CIDRE is a Bolivian microfinance institution with a strong social commitment to the community. It works to provide quality financial services to rural and peri-urban borrowers, focusing primarily on agricultural loans for dairy farmers and micro-enterprises. CIDRE targets segments of the population that have not traditionally had access to credit, and invests in much-needed community development projects. It is currently working with coca farmers in the Chapare region to replace coca with less controversial crops. Get more involved by joining the Friends of CIDRE lending team.

About Bolivia

  • $2,817
    Average annual income
  • 89
    View loans »
    Bolivia Loans Fundraising
  • $29,017,150
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD
Expired
A loan of $1,500 helped Ninoska to pay for the construction of her house.
Repayment Term
39 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 19, 2012
Listed
Nov 2, 2012
Currency Exchange Loss:
Covered
Expired:
Dec 2, 2012