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Jose Marcelo
José is 21 years old, single and has no children. He finished high school at night school as he worked during the day. José lives with his parents and provides an income for his household. He says, "My parents taught me to work from a young age, and now I am independent. I am very pleased to bring money back to my and my parents' household".

José is now studying accounting, while working selling DVDs. This work allows him to pay for his studies and bring home an income. "With my work I pay for the costs of my studies but, at the same, it takes up a lot of time and sometimes I miss classes," says José.

José wants to finish his degree quickly, and start practising his profession. However, this is difficult. José needs financial support in order to finish paying for his studies and also to help manage his time working in sales.

Because of this, José is applying for a loan in order to pay university fees and buy books.
View original language description ↓
José tiene 21 años de edad es soltero y sin hijos, terminó sus estudios secundarios en una escuela nocturna porque de día trabaja, vive con sus padres y aporta dinero para su hogar; ¨mis padres me enseñaron a trabajar desde muy pequeño, ahora soy independiente y me dá mucho gusto aportar con dinero a mi hogar y el de mis padres¨. Ahora el estudia contabilidad y trabaja en la venta de dvds, con esa labor paga sus estudios y aporta dinero al hogar; ¨con mi trabajo pago mis gastos estudiantiles pero a la vez me quita ucho tiempo y a veces falto a clases...¨.
el quisier terminar rápido su carrera y ejercerla pero el tiempo que tiene lo dificulta un poco, necesita apoyo economico para terminar de pagar sus estudios y también para ayudarse a manejar su tiempo en las ventas.
es por ese motivo que José solicita un préstamo para terminar de pagar las mensualidades de la universidad y para la compra de libros.

Additional Information

More information about this loan

This loan is part of Emprender's CrediEstudio program, which enables Bolivian students to cover their tuition and other education expenses to enroll in technical or undergraduate programs. Emprender designed this product to expand opportunity to riskier but bright young people so they can obtain degrees and secure good jobs.

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 Bolivia

  • $5,500
    Average annual income
  • 204
    View loans »
    Bolivia Loans Fundraising
  • $31,480,250
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Jose Marcelo to pay university fees and buy books.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2014
Jun 28, 2014
Currency Exchange Loss:
Jul 17, 2015