Maricruz is single and doesn't have any children, she lives alone in her home under an anticrético lease agreement which her mother acquired. [In an “anticrético” arrangement, the owner leases property for a lump sum deposit in lieu of monthly rent. At the end of the lease period, the money is returned to the renter. If the owner fails to repay the money, the renter gets to keep the property]. The house is located in the Escobar Uria area of the city of La Paz.
She is currently working as a secretary in a hospital for more than eight hours a day as with the little she earns, she needs to cover the costs of food, education and pay for basic services.
The loan Maricruz is seeking is to pay for an up-to-date course in secretarial skills as it is what is needed to rise in the career ladder, and with what she earns, she doesn't have enough to pay for the course.
Maricruz's dream is to increase her income to enable her to become independent and improve her quality of life. It is the first time that she is seeking a loan from Impro and the first time that she is working with Kiva.
Maricruz, es soltera y no tiene hijos, vive sola en una casa en anticretico que su madre adquirió, la casa se encuentra ubicada en la zona Escobar Uria, de la ciudad de La Paz.
Actualmente trabaja como secretaria en un hospital por mas de ocho horas al día ya que con lo poco que gana debe cubrir los gastos de alimentación, educación y pago de servicios básicos.
El crédito lo requiere para el pago de un curso actualizado en secretariado ya que es requisito para subir de cargo y con lo poco que gana no le alcanza para pagarlo.
El sueño de Maricruz es mejorar sus ingresos para poder independizarse y mejorar su calidad de vida.
Es la primera vez que solicita crédito junto a IMPRO y la primera vez que trabaja con KIVA.
IMPRO 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.