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Maria Elsa

Update on Maria Elsa

Maria still sells cosmetics and jewellery. Her previous loan worked out very well as she was able to buy low cost cosmetics wholesale. As a result, she gained customers and increased sales, and thus, also her net income.

This time she is requesting a loan to buy wholesale cosmetic products to continue increasing business profit. She is happy and grateful for the new opportunity this loan will provide.
View original language description ↓
La Sra. Maria sigue con la actividad de la venta de cosméticos y joyas, cuenta que le fue bien con el anterior crédito ya que lo utilizo en la compra de cosméticos por mayor que se encuentra en promoción, cuenta que le fue bien creció en su actividad e incremento su clientela, y por ende sus ingresos económicos, en esta ocasión solicito el crédito para la compra de cosméticos por mayor para seguir incrementando su capital de trabajo, se siente feliz y agradecida por esta nueva oportunidad que le brindan.

Previous Loan Details

Maria lives in the zone of Villa Armonia. She is a widow and has a son with whom she lives in the house of her parents. Maria continues with the same work, which is the sale of cosmetics and beauty products, which she continues distributing on credit to various customers of the area and elsewhere... More from Maria Elsa's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Bolivia

  • $5,500
    Average annual income
  • 157
    View loans »
    Bolivia Loans Fundraising
  • $32,187,450
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Maria Elsa to buy cosmetics wholesale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jul 14, 2013
Currency Exchange Loss:
Jul 17, 2014