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21 De Diciembre Group
In this Group: Dionicia Nery, Maria Angélica, Dominga , Leticia , Flora, Susana, Sabina, Juana, Marina
The “21 DE DICIEMBRE” community bank is beginning its 15th loan cycle with Pro Mujer, as part of the Cascada regional office. The group has nine members and is run by a board of directors which has Dionicia as its president. The businesses that the members are engaged in are varied and include: selling detergents, selling vegetables, selling clothing and handicrafts, selling Yambal products, knitting sweaters, hand knitting and running a small neighborhood restaurant.

This loan will benefit small businesswomen who work in different fields. Dionicia is one of these women. She says that she has been a member of Pro Mujer for ten years and joined through an invitation from a friend who was an existing member of the institution. Dionicia currently has a business knitting blankets. She learned the business from her mother and then decided to work for herself, gradually expanding her merchandise.

Dionicia will use this loan to diversify her capital (buying yarn). She will buy her yarn in wholesale stores, then make her products and sell them from her sales location. This work allows her to make income with which to financially support her family. She is married and has three children.

When asked what she likes about Pro Mujer, Dionicia replied that she likes the meetings.
View original language description ↓
La A.C. “21 DE DICIEMBRE” iniciará el decimo quinto ciclo en Pro Mujer, como parte del Centro Focal Cascada, está compuesta por nueve integrantes y está dirigida por una mesa directiva donde la señora Dionicia es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: comercio de detergentes, venta de verduras, venta de ropa, artesanía, venta de productos YAMBAL, tejido de chompas, tejido a mano, pensión.

El crédito que sacaran beneficiara a pequeñas microempresarias con distintos rubros, donde la señora Dionicia es parte integrante, ella indica que hace diez años que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de tejido de mantas, que aprendió a realizar con su madre, posteriormente decide trabajar por independencia propia y poco a poco amplia su mercadería.

El crédito que ahora sacará es para diversificar su capital (compra de lana) que adquirirá de las tiendas de venta por mayor y posteriormente a la elaboración lo comercializará en su puesto de venta. Esta forma de trabajo le permite generar recursos para apoyar económicamente a su familia, ya que ella es casada y tiene tres hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las reuniones ya que se llevan a nivel familiar.

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
  • 197
    View loans »
    Bolivia Loans Fundraising
  • $31,410,700
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of 21 De Diciembre Group's $2,925 loan helped a member to buy yarn.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 19, 2012
Dec 1, 2012
Currency Exchange Loss:
Jun 17, 2013