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Maria Elsa

Update on Maria Elsa

Maria lives in the zone of Villa Armonia. She is a widow and has a son with whom she lives in the house of her parents. Maria continues with the same work, which is the sale of cosmetics and beauty products, which she continues distributing on credit to various customers of the area and elsewhere in the central zone. She says that this work went very well for her and she is thankful to the lenders at Kiva since her business is growing.

On this occasion, she is applying for the loan to buy cosmetics wholesale and that are on sale since in this way she will generate more profits.
View original language description ↓
La señora María vive en la zona de Villa armonía, es viuda y tiene un hijo con el que vive en la casa de los padres de ella. María sigue con la misma actividad que es la venta de cosméticos y productos de belleza los cuales sigue repartiendo a crédito a varios clientes de la zona y otros lugares de la zona central, cuenta que le fue muy bien con la actividad y se siente agradecida con los prestamistas de kiva ya que esta creciendo en su negocio, en esta ocacion solicita el credito para la compra de cosmeticos por mayor y que se encuentran en promocion ya que de esta manera generara mas utilidades.

Previous Loan Details

Sra. María lives in the District of Villa Armonía. She is a widow and lives with her son at her parents’ house. María sells cosmetics and beauty products on credit to her various customers in the area and in other places within the central district. Her son owns sound equipment that he rents o... More from Maria Elsa's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Bolivia

  • $5,500
    Average annual income
  • 136
    View loans »
    Bolivia Loans Fundraising
  • $32,164,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Maria Elsa to buy cosmetics wholesale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Oct 29, 2012
Currency Exchange Loss:
Sep 17, 2013
This photo was used before for a previous loan for Maria Elsa. It was first posted on Kiva on Dec, 2011. Learn More