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Rayito De Luna Group
In this Group: Jesusa, Danis Deys , Froelan Santiago, Margarita, Melania, Lucila Lidia, Magdalena, Bertha
The Communal Bank “Rayito de Luna” (Little Moonbeam) is starting its second loan cycle with Pro Mujer as part of the Patacamaya Community Center. This group consists of eight members and is led by a Board of Directors in which Sra. Margarita serves as the secretary. The members of this Communal Bank engage in different businesses such as buying and selling sheep, manufacturing traditional skirts, selling coca leaves, selling dried and fresh potatoes, managing a neighborhood store, and making floor tiles.

This loan will benefit small business owners such as Sra. Margarita. She says that this is her first year since joining Pro Mujer after receiving an invitation from a promoter of the organization who visited her at her house. Margarita currently has a business of buying and selling sheep. She is knowledgeable about this business because she learned the trade from her parents. At a very young age, she was able to help her family and learn about the trading process.

The loan she is receiving now will be used to increase her capital for buying sheep. She will acquire the animals from nearby communities and then sell them from her vending space. Working in this manner enables her to generate income to sustain her family. Margarita is in a common-law relationship and has four children.

When asked what she likes about Pro Mujer, Margarita said that she enjoys the training seminars offered by the organization.
View original language description ↓
La A.C. “RAYITO DE LUNA” iniciará el segundo ciclo en Pro Mujer, como parte del Centro Focal de Patacamaya, está compuesta por ocho integrantes y está dirigida por una mesa directiva donde la señora Margarita es la Secretaria. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: compra y venta de ganado ovino, confección de polleras, venta de coca, venta de chuño y papa, tienda de barrio, elaboración de losetas.

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Margarita es integrante, ella indica que es el primer año que integra Pro Mujer, ingresando por la invitación de un promotor de la institución que fue a visitarla a su casa. En la actualidad ella tiene un negocio de venta y compra de ganado ovino; da a conocer que este negocio lo aprendió de sus padres, ya que desde corta edad ella ayudo a su familia y así aprendió los procesos de comercio.

El crédito que ahora sacará es para el aumento de capital (compra de ganado ovino) que adquirirá en las comunidades cercanas 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 cuatro hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones 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
  • 87
    View loans »
    Bolivia Loans Fundraising
  • $29,017,150
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Rayito De Luna Group's $4,350 loan helped a member to buy sheep.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 27, 2014
Listed
Mar 27, 2014
Currency Exchange Loss:
Possible
Ended:
Dec 17, 2014