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Azucenas-32 Group
In this Group: Silvia Teresa , Ysabel Gabriela, Angel Vladimir, Rielmy Evelin, Ruth Wandy, Wilfredo, Maritza, Elias Abel
The Azucenas-32 communal bank is made up of eight members, five women and three men. The president of the bank is Ysabel, 24. She's married and has two children, ages 3 and 1. She makes a living selling mules. Her sales stall is in one of the busiest markets in the city of Cochabamba.

This loan is her first sequence with the institution. Ysabel's going to use it to buy mules wholesale to stock her sales stall and increase her working capital. She's requesting this loan to buy merchandise.

The challenge Ysabel faces in her business is competition, because there are several people who sells athletic shoes. She's going to use her profits to improve her quality of life.

She's happy about the support granted and grateful to the institution because this is the only job that allows her to support her family.
View original language description ↓
El banco de emprendimiento AZUCENAS-32 está compuesto por ocho integrantes cinco mujeres y tres varones, la presidenta del banco es la Sra. Ysabel tiene 24 años y es casada con 2 hijos que son de las edades de 3 y 1 años, ella se dedica a la venta de zapatos chinelas, tiene su puesto de venta en uno de los mercados más concurridos de la ciudad de Cochabamba, este préstamo es su primera secuencia dentro de la institución, la Sra. Ysabel va a usar este préstamo para la compra se chinelas por mayor para surtir su puesto de venta, y así de esta manera incrementar su capital de trabajo, su razón para solicitar este préstamo es la compra de mercadería, la Sra. Ysabel enfrenta retos en su negocio que son la competencia ya que hay varias personas que venden zapatos deportivos y va a utilizar los beneficios para mejorar su calidad de vida, se siente feliz y agradecida con la institución por el apoyo brindado, ya que esta es la única actividad que le permite mantener a su familia.

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
  • 198
    View loans »
    Bolivia Loans Fundraising
  • $31,424,025
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Azucenas-32 Group's $1,975 loan helped a member to buy mules wholesale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 17, 2013
Currency Exchange Loss:
Oct 17, 2013