Update on Ana MariaAna María is single. She used to live with her partner but they separated; they have a son who is school age and another one that also lives with her. She lives in her mother’s house. Her mother is a senior citizen and the house has two environments where the bedroom and living room are located. The room is stucco-covered adobe and the floor is dirt and brick. The house is located in the Pasankeri zone in the southern part of the city of La Paz.
She currently works selling all types of plumbing supplies made of PVC (pipes that are used for drainage, potable water, elbows, boxes, semi-elbows made of PVC, etc.) in a stand located in one of El Alto's street markets; she’s open for business Thursdays and Sundays. She’s responsible for household food and utility costs. She needs the loan to buy merchandise (more tubing of various diameter) to have a better variety of merchandise in stock and thus improve her income. Ana María’s dream is to have her own building supplies store to earn income and improve her quality of life. This is her third loan request to IMPRO and KIVA.
Actualmente trabaja comercializando todo tipo de material de fontanería de material de pvc (tubos que se usan para alcantarillado, agua potable,codos, cajas, semicodos de pvc, etc.) en un puesto que se encuentra en una de las ferias ciudad de El Alto donde atiende los jueves y domingos, ella se encarga de los gastos de alimentación y pago de servicios de su hogar.
El crédito lo requiere para la compra de mercadería(más tubos de diferentes diámetros) y poder tener mercadería mas surtida y así mejorar sus ingresos.
El sueño de Ana Maria es poder tener su propia tienda de material de construcción y así tener ingresos y mejorar su calidad de vida.
Es la tercera vez que solicita crédito junto a IMPRO Y KIVA.
Previous Loan DetailsSra. Ana Maria produces handmade plumbing fittings, such as joints and pump boxes. She sells them at the main fair in the city of El Alto. She is divorced and has two children. The loan she is requesting will be used to buy tubes so that she can continue producing plumbing accessories and gene... More from Ana Maria's previous loan »
About IMPROIMPRO 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.
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.
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