Update on MiriamMiriam is separated from her husband. She lives in the city of La Paz. Miriam currently works for the retirement board, where she receives a salary that she uses to support herself and cover minimal expenses.
The loan she is requesting will be used to pay for a doctor’s exam since her insurance does not cover certain medical expenses.
Actual mente trabaja en la Federación de Jubilados donde percibe una renta con la cual se mantiene y cubre sus gastos mínimos, el crédito que solicita es para poder efectuar un examen medico ya que el seguro no cubre ciertos gastos médicos.
Previous Loan DetailsMiriam is now totally dedicated to independent cosmetics and beauty products sales for both genders. She needs the loan to buy more products at wholesale: cleansing creams, make-up, deodorant, etc. to diversify her merchandise and obtain more income to support her family this way. Miriam is ... More from Miriam's previous loan »
About IMPROIMPRO 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.
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.
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