Update on ValdiviaValdivia is married and has three children, one boy and two girls, all of whom are in school. She and her family live in their own home that has a kitchen, central living area and a bedroom. Their house has a brick floor and is located in the Llojeta zone in the city of La Paz.
Valdivia makes a living weaving traditional blankets, and her husband works as a syndicated transport driver in the cities of La Paz and El Alto. Valdivia sells her weavings in the neighborhoods near her home, as well as in the nearby city of El Alto. She also helps her husband navigate various transportation routes through dusty, winding roads in the region. Both parents work extremely hard to support their children and provide them with food, clothing and education.
With the support from this loan, Valdivia plans to purchase wool for weaving her traditional blankets. She hopes to take advantage of the upcoming colder season when temperatures drop significantly in La Paz and people are in need of warmer layers. Valdivia also hopes that this loan will help her to provide for her family and improve their quality of life. Valdivia’s dream is to complete construction of their home and improve her family’s quality of life. This is her third loan with IMPRO and Kiva.
Actualmente Valdivia trabaja en el tejido de mantas en forma artesanal y el esposo trabaja en el transporte sindicalizado en trufi; las mantas las comercializa por la misma zona donde vive y en la ciudad del Alto y también ayuda al esposo en los recorridos y rutas del lugar que están llenos de tierra y polvo, ya que la ruta son aledañas y periurbanas donde trabaja todos los días de la semana. El esposo es chofer sindicalizado trabajando de la ciudad de La Paz y El Alto, ambos colaboran en el pago de los servicios, comida y vestimenta, y educación de sus hijos.
El crédito lo requiere para la compra de lana para continuar con el tejido de mantas, ya que en La Paz bajaron las temperaturas, así obtendrá más ingresos que le ayudarán a mejorar su calidad de vida.
El sueño de Dña. Valdivia es poder terminar su construcción de su casa y así mejorar su calidad de vida.
Es la tercera vez que solicita crédito junto a IMPRO Y KIVA.
Previous Loan DetailsSra. Valdivia is a clothing merchant. The loan she is requesting will be used to buy construction materials so that she can finish the upper floor of her house and install ceramic tiling. Her home is located in the District of Llojeta in the city of La Paz. Valdivia is married and has three… More from Valdivia'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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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Mar 25, 2013
- Apr 4, 2013
- Currency Exchange Loss:
- Apr 16, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.