Andres is divorced, and he has not lived with his life partner for eight years. He has four children, and three of them are no longer dependent upon him. He has a minor, school age daughter. He lives in his parents’ house, occupying four rooms with stucco walls and cement floors. The house is in the Tembladerani area of the city of La Paz.
He currently works as the driver of his own vehicle in the line of micro-buses in the Eduardo Avaroa union. He lives day to day on the income from his vehicle. It is the only business activity that he has. He helps his minor daughter with all of her education and food. He alone covers the educational expenses and the basic services expenses for his family.
He needs the loan to buy merchandise. He wants to start selling windshields for vehicles. He wants to be able to have another income and improve his income.
Andres’ dream is to get a neighborhood store because he is getting older, and he will not always be able to keep driving his vehicle. This way he will be able to maintain stability in his household.
This is the fourth time he has requested a loan from Impro and Kiva.
Andres, es divorciado, y no vive con su paraeja hace 8 años y tiene cuatro hijos, tres ya no dependen de el, cuenta con una hija menor que se encuentra en edad escolar, vive en casa de sus padres ocupando cuatro habitaciones con paredes de estuco y el piso es de cemento, la casa se encuentra ubicada en la zona de Tembladerani de la ciudad de La Paz.
Actualmente trabaja como chofer propietario en la linea de microbuses del sindicato Eduardo Avaroa viviendo al dia con los ingresos de su movilidad, es la unica actividad que tiene, a su hija menor le ayuda con todo lo que es su estudio y alimentacion, el solo corre con los gastos de educación y pago de servicios básicos de su familia.
El crédito lo requiere para la compra de mercadería pues el quiere incursionar en la venta de parabrisas para movilidades y poder tener un ingreso mas y mejorar sus ingresos.
El sueño de Andres es adquirir una tienda de barrio por que ya es mayor de edad y no podra siempre estar manejando su movilidad y así poder mantener la estabilidad en su hogar.
Es la cuarta vez que solicita crédito junto a IMPRO Y KIVA.
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.