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Perlas Group
In this Group: Elvis, Maria Cristina, Deinar, Marleny, Ahideca , Norma, Aracely, Natividad, Mary Sandra
The "Perlas" communal bank is made up of nine members, seven women and two men. The president of the bank is Mary, who is in the center of the photo wearing a light blue shirt. Mary makes a living selling a variety of soft drinks from her stall, which is located in a very busy market in the city of Santa Cruz. This loan is her second with the institution.

Mary will use this loan to buy a variety of wholesale soft drinks to stock her stall, which will allow her to offer a variety of products to her clients. Her reason for applying for this loan is to continue improving her business. Mary is a very hardworking person, and she is happy with this opportunity because this loan will allow her to grow her business.
View original language description ↓
El banco de emprendimiento PERLAS está compuesto por nueve integrantes, siete mujeres y dos varones , la presidenta del banco es la Sra. Mary en la foto se encuentra ubicada en el centro la de la blusa celeste, se dedica a la venta de variedad de refrescos en su puesto de venta que se encuentra en un mercado muy concurrido de loa ciudad de Santa Cruz, este préstamo es su primera secuencia dentro de la institución, la Sra. Mary va a usar este préstamo para la compra variedad de refrescos por mayor para surtir su puesto de venta y de esta manera brindar variedad de productos a sus clientes, su razón para solicitar este préstamo es seguir mejorando en su negocio la Sra. Mary es una persona muy trabajadora se siente feliz por la oportunidad brindada ya que este préstamo le permitirá crecer en su negocio.

Additional Information

About Emprender

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.

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
  • 151
    View loans »
    Bolivia Loans Fundraising
  • $33,362,700
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Perlas Group's $3,775 loan helped a member to buy a variety of wholesale soft drinks to stock her stall.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 10, 2013
Currency Exchange Loss:
Oct 17, 2013