Update on TomásTomas is separated from his wife. He lives with his minor daughter in the Munaypata area of the city of La Paz. He makes dental prosthesis.
He currently works for over ten hours in his own home. He works in a shop that he installed on the ground floor of his house. Tomas had dental problems at a very early age. Therefore, his main objective was to study to make prosthesis. What he does now is to improve peoples’ health so that they have better nutrition. According to the studies that he did, all of the people who have bad teeth have bad breath and bad chewing. This impairs their health.
The loan that he needs is to buy gold for the dental prosthesis. He has several orders from customers who wish that their dental prosthesis have a bit of gold.
This is the sixth time that he has requested a loan with IMPRO and the second time with Kiva.
Actualmente trabaja por mas de diez horas en su propio domicilio en un taller que instalo en la planta baja de la vivienda. Tomás a muy corta edad tuvo problemas con su dentadura por lo cual su objetivo principal fue estudiar para protesista, ahora lo que hace es mejorar la salud de las personas para que tengan una mejor nutricion, ya que según los estudios que realizo todas las personas productos de una mala dentadura tienen un mal aliento, mala masticacion, ocacionando que la salud vaya desmejorando.
El crédito lo requiere para compra de oro para las prótesis dentales, pues tiene varios pedidos de clientes que desean que sus prótesis tengan en sus dientes una chispa de oro.
Es la sexta vez que solicita crédito en IMPRO y la segunda vez en KIVA.
Previous Loan DetailsTomas is a maker of dental prostheses and a single father, who lives with his daughter in a rental house [under an 'anticretico' contract] in the Cemetery zone of La Paz city. He works more than 8 hours per day, since this is his only source of income for the family. Tomas needs a loan to… More from Tomás'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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