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Claveles Group
In this Group: Gladys Maribel , Gladys , Sonia Veronica, Ximena Sandra, Luz Angela, Monica Rosalia, Basilia, Gregoria
“Claveles” (Carnations) is a Communal Bank that will start its fourteenth cycle with Pro Mujer as part of the Los Andes Community Center. It is composed of eight members, guided by a directive board presided over by Gladys. The members of the Communal Bank engage in different activities, such as selling cosmetics, running a grocery store, selling fabric, selling soft drinks, selling clothes, selling bread, creating sportswear, selling iron and producing macramé blankets.

Gladys is one of the micro entrepreneurs forming this group, and she will benefit from the requested loan. She says this is the sixth cycle she has been working with Pro Mujer, and that she had been invited by a friend who is a member of the institution. She is currently running a clothes shop, and she says she has started this activity out of her own initiative tanks to the first loan she has received form Pro Mujer.

The loan she is now requesting will be used to increase her working capital by buying clothes at wholesale price in the fairs of the town of La Paz, to then sell them in her stall. This type of activity helps her earning an income to economically support her household as much as she can, as she is single and she has three children.

When asked about what she likes of Pro Mujer, she answers that she likes the loan, the seminars and the health program.
View original language description ↓
La A.C. “CLAVELES” iniciará el décimo cuarto ciclo en Pro Mujer, como parte del Centro Focal de Los Andes, está compuesta por ocho integrantes y está dirigida por una mesa directiva donde la señora Gladys es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: venta de cosméticos, tienda de abarrotes, venta de tela, venta de refrescos, venta de ropa, venta de pan, confesión de deportivos, venta de fierros, macramé de mantas.

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Gladys es integrante, ella indica que es el sexto ciclo que integra Pro Mujer, ingresando por la invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de ropa; da a conocer que este negocio lo emprendió por iniciativa propia con el primer préstamo que sacó en Pro Mujer.

El crédito que ahora sacará es para el aumento de capital (compra de ropa) que adquirirá de las ferias de la ciudad de La Paz, por mayor, y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es soltera y tiene tres hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el crédito, las capacitaciones y el área de salud.

Additional Information

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

  • $2,817
    Average annual income
  • 112
    View loans »
    Bolivia Loans Fundraising
  • $28,250,825
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Claveles Group's $5,775 loan helped a member to buy clothes.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 30, 2013
Listed
May 20, 2013
Currency Exchange Loss:
Covered
Ended:
Nov 18, 2013