María, 54, is married with children who are all independent now. She works selling seasonal goods on credit according to what she deems advisable to sell and sometimes based on prior orders; she visits various markets in the zone to offer her wares.
This loan is her second sequence in the institution and María will use it to buy merchandise to stock up on a variety of goods. Her reason for requesting this loan is because she does not have any funds in reserve for this season.
The business challenge María faces is the cold season because it’s very intense where she lives and due to her advanced age she can’t get around to seek out the least expensive goods and this hurts her business. She will use profits to buy comforters, blankets and other goods that provide warmth.
Her wish is to have a house of her own to live in peace; she currently lives under the ‘anticrético’ modality [transaction whereby a property owner requests a "loan" from you in exchange for housing, which must be paid back to you at the end of your contract. If your loan is not repaid, the property owner could lose the property to you]
La Sra. Maria tiene 54 años y es casada con hijos ya independientes, ella se dedica a la venta de artículos de temporada a crédito, según lo que crea conveniente vender y a veces por pedido que ella visita distintos mercados de la zona ofreciendo sus productos, Este préstamo es su segunda secuencia dentro de la institución, la Sra. Maria va a usar este préstamo para la compra de Mercadería para surtir la variedad de sus productos, su razón para solicitar este préstamo es porque la cliente no cuenta con reservas de dinero para estas fechas. La Sra. Maria enfrenta retos en su negocio que son La época de frío es demasiado fuerte por la zona donde vive, y debido a la avanzada edad de la cliente, no puede movilizarse para conseguir la mercadería más barata y esto le perjudica en su negocio y va a utilizar los beneficios en comprar edredones, frazadas, por mayor y el deseo de la Sra. Maria es tener una casa propia para poder vivir tranquila, actualmente vive en anticrético.
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.