The lending group "ADELA ZAMUDIO - 26" is composed of 8 members - seven women and one man. The President of this lending group, Ana, is 46 years old, has two school-aged children, and works selling primary care products from her store located in the Tembladerani neighborhood.
This is her first loan with this institution, which she will use to stock her business with groceries, sweets, and sodas. She needs this loan because right now there is high demand for her products and she will be able to improve her sales by stocking more goods. Ana faces many challenges with her business, especially high competition, which she will confront with this loan by growing and strengthening her business, day by day. Her dream is to continue selling these goods in order to improve her income, and thereby provide a better quality of life for her family.
El Banco de emprendimiento ADELA ZAMUDIO – 26 está compuesto por ocho integrantes siete mujeres y un varón, la presidenta del banco es la Sra. Ana tiene 46 años, dos hijos que se encuentran en edad escolar, ella se dedica a la venta de productos de primera necesidad en su tienda de barrio que se encuentran en la zona de Tembladerani , este préstamo es su primera secuencia dentro de la institución, va a usar este préstamo para la compra de mercadería para surtir su negocio como abarrotes, dulces y refrescos, su razón para solicitar este préstamo es la mucha demanda que tiene y es ahí donde incrementa sus ventas, y necesita surtir su mercadería La Sra. Ana enfrenta retos en su negocio que son la competencia ya que existen varias tiendas en la zona, va a utilizar los beneficios en la compra de mas mercadería para surtir su tienda y seguir creciendo más cada día, su deseo para su negocio es de seguir vendiendo y tener una tienda surtida, así poder hacer crecer su negocio mejorar sus ingresos y por ende mejorar la calidad de vida de ella y de su familia.
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.