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Jose Luis
Jose is a single man who is 43 years old. He lives with his 4 children in the town of Sacaba in the city of Cochabamba. He is the youngest of 6 siblings. When his first son was born (20 years ago), he had the fortune of finding a job at a printing office near his house. As time passed, his family grew and his expenses increased: "At first, I gave everything to my oldest son. Then his little brother arrived, and they shared. Now my fourth son uses all of his brothers' clothing."

Jose's work is constant. With his efforts, he succeeded in obtaining the monetary capital to build a roof for his family. "We lived in borrowed housing. Sometimes they moved us, and we did not have anywhere to go," says Jose.

Currently, he is finishing the construction of two bedrooms in the place where he will live. It is for this reason that Jose needs a loan from Kiva. He will use it to buy construction materials and finish the construction of the installation of water in a bathroom and the laundry.
View original language description ↓
Jose es un hombre soltero de 43 años de edad, vive junto a sus 4 hijos en la localidad de Sacaba en la ciudad de Cochabamba, es el menor de 6 hermanos, cuando nació su primer hijo (hace 20 años) tuvo la suerte de encontrar un trabajo en una imprenta cercana a su domicilio. Al pasar del tiempo su familia fue creciendo y los gastos fueron aumentando; “al principio a mi hijo mayor todo le daba luego llegó su hermanito y compartían, ahora mi cuarto hijo usa toda la ropa de su hermanos …”.
La labor de José es constante, con su esfuerzo logró conseguir el capital monetario para la construcción de un techo para su familia; “vivíamos de prestado a veces nos corrían y no teníamos a donde ir…” cuenta José.
En este momento se encuentra terminando la construcción de 2 habitaciones en el lugar donde vivirá, es por esta situación que José necesita el préstamo de kiva y así utilizarlo para comprar material de construcción y finalizar la construcción de la instalación de agua para un baño y lavandería.

Additional Information

More information about this loan

This loan will help fund a new product Emprender has launched to provide clean drinking water and sanitary facilities to Bolivian families. Emprender is partnering with Fundación SODIS, an NGO specializing in water and sanitation access, to make this possible. SODIS identifies households that need water tanks, running water toilets, ecological toilets, water filters and water connections in underserved areas, and supervises their installation. Emprender works with SODIS to help finance these the infrastructure improvements.

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Bolivia

  • $5,500
    Average annual income
  • 156
    View loans »
    Bolivia Loans Fundraising
  • $32,169,225
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,525 helped Jose Luis to install water in a bathroom and the laundry.
56% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 23, 2014
Jun 16, 2014
Currency Exchange Loss: