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Rosas Y Un Clavel Group
In this Group: Marcela Jannette, Helen Vitalia, Rosmery Karina, Ivan Armando , Ana Carolina , Nelly Paola, America Karen, Virginia Ynes
The “Rosas y Su Clavel” [Roses and their Carnation] Communal Bank will begin their first cycle with Pro Mujer, as part of the German Busch regional office. The group is comprised of eight members and led by a board of directors with Marcela as president. The members of the communal bank are engaged in varied businesses including selling woven blankets, sundries, clothing, school supplies, and cell phones.

The loan that they are taking out will benefit the small micro-businesses where Marcela is a member. She says that she is new to Pro Mujer, and joined at the invitation of a friend who is a member of the institution. Currently, she has a weaving business and sells clothing. She says that she learned this business form her sister and since she had a little capital, she decided to establish her independent business.

She is taking out the current loan to increase working capital (purchase wholesale wool) that she will acquire at the city markets in El Alto, and later she will develop her sales space and market her products. She lives in a common-law relationship and has two children, and this type of work allows her to generate income to support her family. When asked what she liked about Pro Mujer, she responded that she likes the work that they do in their group and what the institution offers.
View original language description ↓
La A.C. “ROSAS Y SU CLAVEL” iniciará el primer ciclo en Pro Mujer, como parte del Centro Focal de German Busch, está compuesta por ocho integrantes y está dirigida por una mesa directiva donde la señora Marcela es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: tejido de mantas, artículos varios, venta de ropa, venta de material escolar, venta de celulares.

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Marcela es integrante, ella indica que es la primera vez que integra Pro Mujer, ingresando por la invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de tejido y venta de ropa; da a conocer que este negocio lo aprendió de su hermana y que ella al contar con un pequeño capital decide implementar su negocio independiente.

El crédito que ahora sacará es para el aumento de capital (compra de lana por mayor) que adquirirá en las ferias de la ciudad de El Alto y posteriormente a la elaboración lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener a su familia ya que ella vive en unión libre y tiene dos hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el trabajo que realizan en su grupo que le ofrece la institución.

Additional Information

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.

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About Bolivia

  • $2,817
    Average annual income
  • 85
    View loans »
    Bolivia Loans Fundraising
  • $28,645,575
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Rosas Y Un Clavel Group's $2,700 loan helped a member to purchase wholesale wool.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 10, 2014
Listed
Feb 28, 2014
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2014