Ramiro is 22 years old. He has two children who are 4 and 6 years old. He makes a living selling a variety of bedspreads, sheets and blankets from his store which is located in the Delicias neighborhood in the city of Cochabamba. This is the first loan he will be taking out through the communal bank. Ramiro will use the loan to buy a variety of bedspreads at wholesale price, as it is currently the season in which there is high demand and he wants to stock his business. The reason he has requested a loan is because he has received various orders and he does not have the necessary funds to be able to buy the requested items. The challenges that Ramiro faces in his business are competition and meeting the increased seasonal demand. He will use the loan to increase his merchandise, and therefore his sales as well.
El Sr. Ramiro tiene 22 tiene dos hijos de las edades de 4 y 6 años, el se dedica a la venta de variedad de edredones, sabanas y frazadas en su tienda que se encuentra en la zona las Delicias de la ciudad de Cochabamba, este préstamo es su primera secuencia dentro de la institución, El Sr. Ramiro va a usar este préstamo para la compra de variedad de edredones por mayor ya que esta época tiene mucha demanda y el desea surtir su negocio, su razón para solicitar este préstamo es que le hicieron algunos pedidos y no contaba con el capital necesario para de sus productos, El Sr. Ramiro enfrenta retos en su negocio que son la competencia y la alta demanda por la época y va a utilizar los beneficios en aumentar su mercadería y por ende sus ventas.
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.