Ten years ago, she started a business venture due to the need to feed her family. She sells vegetables at wholesale price. Her husband works with her by collecting and transporting the vegetables from farms and greenhouses located from from where they do business. In this way, Valentina can pay for tuition and food for her 4 children. Two of them are studying in primary school and the other two are in secondary school.
Valentina's dream is to see her children become professionals, and she makes every effort to make that future a reality.
Her business goes through problems related to the weather--the constant rains or droughts. This causes variation in the prices of vegetables. It's because of these problems that she often can't pull together the capital needed to buy vegetables in large quantities.
This is the reason that Valentina is requesting a loan to buy vegetables at wholesale, so she can increase her stock and be able to pay the school tuition for her 4 children.
Gran parte de su vida la dedicó al cuidado de sus hijos, hace 10 años tuvo un emprendimiento creado por la necesidad de alimentar a su familia. Ella se dedica a la venta de verdura por mayor, su esposo la colabora trasladando y recolectando los vegetales de sembradíos y carpas solares ubicadas a largas distancias de su comercio. De esta manera Valentina puede solventar los estudios y la comida diaria de sus 4 hijos, 2 de ellos estudian en la escuela primaria y los otros 2 en la secundaria.
El sueño de valentina es ver a sus hijos profesionales y realiza todo los esfuerzos para que ese futuro se haga realidad.
Su negocio atraviesa problemas relacionados con el estado del tiempo, las constantes lluvias o las sequías, esto ocasiona variaciones en los precios de las verduras, es por esos problemas que muchas veces no logra reunir el capital económico necesario para la compra de mayor cantidad de verduras.
Es por esos motivos que Valentina solicita un préstamo para la compra de vegetales por mayor para incrementar su stock y poder pagar el estudio de sus 4 hijos.
More information about this loan
This loan is part of an innovative partnership between Kiva Labs and Innovations for Poverty Action to evaluate the effects of product design changes on the welfare of micro-entrepreneurs and on the viability of microfinance institutions. Through this partnership, Emprender is testing several alterations to existing products that aim to address the limitations of financial services currently available to the poor by offering lower interest rates and/or more flexible payment dates. This loan is being offered to the borrower with innovative flexible loan schedule and a reduced interest rate. Because this product is low-interest, previously untested and potentially riskier for the microfinance institution, funding this loan on Kiva is particularly important to Emprender.
About EmprenderEmprender 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.
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