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Principiantes - 32 Group
In this Group: Lizet Anay , Deysi Vanessa, Edy, Olimpia, Olga Beatriz, Sabina Felicia, Flora, Alvaro William
The 'Principiantes - 32' community bank has eight members: six women and two men, who all work in different businesses. The bank's president is Lizet. Lizet is 23 years old, married, and has two young children. Her business is selling used clothing from her sales location in San Pablo neighborhood, in the city of Cochabamba. This loan is her first through the institution. She will use it to buy bundles of used clothing for her business. The reason she is requesting this loan is a lack of capital. Lizet faces challenges in her business. One of these challenges is the competition as there are many people who carry out the same business in her area. Lizet will use the profits she makes to continue improving her business. Her goal is to have enough merchandise in stock that she can offer a good range of products to her customers. Lizet is a hard-working person. She feels happy and grateful to the institution for the support they are giving her and her fellow group members. All of the members of the group are working hard for the well-being of their families.
View original language description ↓
El Banco de emprendimiento PRINCIPIANTES – 32 está compuesto por ocho integrantes seis mujeres y dos varones, se dedican a distintas actividades, La presidenta del banco es la Sra. Lizet tiene 23 años, casada con dos hijos pequeños, ella se dedica a la venta de ropa de segunda mano, en su puesto de venta que se encuentran en la zona de San pablo de la ciudad de Cochabamba, este préstamo es su primera secuencia dentro de la institución, la Sra. Lizet va a usar este préstamo para la compra de fardos de ropa de segunda mano para su negocio, su razón para solicitar este préstamo es falta de capital, la Sra. Lizet enfrenta retos en su negocio que son la competencia ya que hay muchas personas que se dedican a esta actividad por la zona, va a utilizar los beneficios en seguir mejorando su puesto de venta, su deseo para su negocio tener mercadería surtida para ofrecer variedad de productos a su clientes, la Sra. Lizet es una persona trabajadora, se siente feliz y agradecida con la institución por el apoyo brindado a ella y a sus compañeras de grupo ya que se esfuerzan en el trabajo para el bienestar de 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

  • $2,817
    Average annual income
  • 85
    View loans »
    Bolivia Loans Fundraising
  • $29,370,775
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Principiantes - 32 Group's $3,750 loan helped a member to buy bundles of used clothing.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 17, 2013
Currency Exchange Loss:
Feb 17, 2014