He currently works as a salaried driver. He does not live with his son’s mother due to family problems on her part. He helps support his son by sending food, groceries and clothes and also helps pay basic utilities. He works every day of the week; his route is from the city of El Alto and his stop is in the west part of the city of La Paz.
He needs the loan to build and repair the house he’s living in; he needs to repair the ceiling in his bedroom. Ramiro’s dream is to be able to have a house to live in with his entire family and to own a vehicle to improve his income and his quality of life. This is the first time he’s requested credit from IMPRO and KIVA.
Actualmente trabaja de chófer asalariado, no vive al lado de la madre de su hijo, por problemas familiares de parte de ella. También ayuda al cuidado de su hijo enviando víveres, alimentación, ropa, también colabora con el pago de los servicios básicos; trabaja todos los días de la semana, la ruta y el recorrido es desde la ciudad del Alto y la parada está situada en la partes Oeste de la ciudad de La Paz.
El crédito lo requiere para Construcción y Reparación de la casa en donde vive. Necesita reparar el tumbado de la habitación donde él vive.
El sueño de Ramiro es poder tener una casa donde llegar a vivir con toda su familia y contar con movilidad propia y así poder mejorar sus ingresos y su calidad de vida.
Es la primera vez que solicita crédito junto a IMPRO Y KIVA.
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.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
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