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Oasis Group
In this Group: Maria Jesus, Coralia, Arlinda, Aracely, Juana Gabriela, Patricia, Laura, Aracely
The communal bank Oasis is made up of 8 members, all women. The president of the bank is Juana who is 21 years old. She sells seasonal clothing. She sells her merchandise on foot by visiting fairs and markets in El Torno. This is her first loan with the institution.

Juana is going to use the loan to buy wholesale clothing such as sweaters and jackets to supply her business as the cold season is coming and during this season she has many sales and even some orders.

She is asking for a loan due to the lack of capital. She faces challenges in her business such as daily competition. Her desire is to have inventory so that she can offer a variety of clothing to her customers.

Juana is feeling happy and grateful to the lenders for support which allows her to improve her business and also to her communal group companions who in some cases are the sole providers for their families.
View original language description ↓
El Banco de emprendimiento OASIS, Está compuesto por ocho integrantes todas mujeres, la presidenta del banco es la Sra. Juana tiene 21 años, ella se dedica a la venta de ropa según la temporada, ella vende sus productos de manera ambulante visitando ferias y mercados de la localidad de El Torno, este préstamo es su primera secuencia dentro de la institución, la Sra. Juana va a usar este préstamo para la compra de ropa por mayor como chompas y chamarras para surtir su negocio ya que se acerca la época de frio, y esta época tiene mucha venta e incluso pedidos , su razón para solicitar este préstamo es falta de capital, la Sra. Juana enfrenta retos en su negocio que son la competencia diaria, su deseo para su negocio tener mercadería surtida para ofrecer variedad de productos a su clientes, la Sra. Juana se siente feliz y agradecida con la institución por el apoyo brindado ya que le permite mejorar en su negocio y también agradecida por sus compañeras de grupo ya que en algunos casos son personas que sacan adelante solas a sus familias.

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

  • $5,500
    Average annual income
  • 164
    View loans »
    Bolivia Loans Fundraising
  • $33,489,225
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD
A portion of Oasis Group's $3,275 loan helped a member to buy seasonal clothing to sell.
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 30, 2013
Aug 25, 2013
Currency Exchange Loss:
Sep 24, 2013