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Clara
Clara is 30 years old, married, and lives in a small community where the inhabitants live very dispersed. She lives a solitary life, as her husband is outside the country for work reasons.

Therefore the burden of work is Clara's responsibility, and in order to raise her three children she has to work from the early hours of the morning until very late, according to the need of her crops for irrigation, soil preparation, planting, mechanical pest control, harvest, post-harvest and marketing of products.

She also has a problem with the isolated location of her land during the rainy season, as her parcel is located facing the Misque river. Because of the high water at that time, it is inaccessible, therefore the crops develop with pest and disease problems until the water goes down. Clara has lost a great quantity of her tomato production, as this year the tomato crop couldn't be marketed, because it couldn't be transported as the river was impassable. This resulted in a reduction of income for the sale of these products.

Because of all the above-mentioned factors, Clara's economic stability has suffered a setback, directly affecting the acquisition of materials and supplies needed for production, both in terms of household expenses for feeding her children and the day laborers she employs. To correct the above-mentioned situation, she has turned to credit, with the aim of improving her quality of life and resuming the road to prosperity.
View original language description ↓
La señora Clara, tiene 30 años de edad, es casada vive en una comunidad pequeña donde los pobladores habitan en forma muy dispersa, lleva una vida solitaria ya que el esposo se encuentra en el exterior por motivos de trabajo por tanto la carga de trabajo está a responsabilidad de doña Clara, quien para sacar adelante a sus tres hijos tiene que trabajar desde tempranas horas de la mañana hasta horas muy tardes, según la exigencia de los requerimientos de los cultivos de riego, preparación de los suelos , siembra, control mecánico, cosecha, pos cosecha y la comercialización de los productos. También tiene un problema de aislamiento de sus terrenos en la época de lluvias ya que su parcela se encuentra al frente del rio mizque, por el caudal en la época es intransitable, por tanto los cultivos desarrollan con problemas de plagas y enfermedades hasta bajar el caudal del río. Doña Clara ha perdido gran cantidad de su producción de tomate, ya que este año el producto del tomate no se pudo comercializar por que no se podía trasladar el producto por la intransitabilidad del rio ocasionando una disminución de ingresos económicos por venta de estos productos, por todo lo anteriormente mencionado la estabilidad económica de doña Clara ha sufrido un desequilibrio, afectando directamente en la adquisición de los materiales e insumos requeridos para la producción como en la canasta familiar para la alimentación de los hijos y los jornaleros que emplea. Para enmendar lo mencionado ha recurrido al crédito con el objetivo de mejorar la calidad de vida y retomar el camino de la prosperidad.

Additional Information

About CIDRE

CIDRE is a Bolivian microfinance institution with a strong social commitment to the community. It works to provide quality financial services to rural and peri-urban borrowers, focusing primarily on agricultural loans for dairy farmers and micro-enterprises. CIDRE targets segments of the population that have not traditionally had access to credit, and invests in much-needed community development projects. It is currently working with coca farmers in the Chapare region to replace coca with less controversial crops. Get more involved by joining the Friends of CIDRE lending team.

About Bolivia

  • $2,817
    Average annual income
  • 96
    View loans »
    Bolivia Loans Fundraising
  • $29,515,475
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Clara to purchase seeds for beans, potatoes, and onions, as well as agricultural chemicals and organic fertilizer.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Feb 26, 2013
Listed
May 1, 2013
Currency Exchange Loss:
Covered
Ended:
Mar 17, 2014