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Zulema is a 23-year-old woman and a single mother with one child. She works selling stuffed animals. She is enterprising, independent, strong, dedicated, persistent and very hard working. She conducts business in the zone "16 de Julio," a place characterized by business in all areas.

Zulema is dark skinned with long black styled fashionably and has a medium build. Her style of dress is modern and combines Spanish fashion with el Aymara, both at work and in casual settings. She sells stuffed bears and has been engaged in this work for a year; Monday to Sunday from 10 in the morning until 9 at night.

She hopes to increase sales because she needs to cover the costs of education for her five year old son. She wants to buy stuffed animals primarily to increase her profit margin and generate more income. It is for this reason that Zulema is requesting a loan to buy stuffed bears and cover the cost of education for her young son.
View original language description ↓
Zulema es una mujer de 23 años de edad soltera, madre de un niño y se dedica a la venta de peluches.
Ella es emprendedora, independiente, luchadora, fuerte, constante y muy trabajadora, su negocio lo realiza en la zona ‘16 de Julio’ un lugar caracterizado por el comercio en todas las áreas.
Zulema es de tez morena, cabello negro largo peinado a la moda, estatura media, su forma de vestir es moderna y combina el español con el aymara, tanto para el comercio como para las relaciones familiares. Su negocio es el comercio de osos de peluche, actividad que viene realizando desde hace un año; de lunes a domingo desde las 10 de la mañana hasta las nueve de la noche. Ella desea mejorar sus ingresos económicos debido a los gastos que realiza para la educación de su niño de 5 años. Ella quiere realizar la compra de peluches por mayor para tener un mejor margen de ganancia generando mayores ingresos económicos.
Es por esos motivos que Zulema solicita un préstamo para la compra de osos de peluche por mayor y pagar la educación de su pequeño niño.

Additional Information

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
  • 228
    View loans »
    Bolivia Loans Fundraising
  • $31,614,775
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Zulema to purchase stuffed bears, primarily, and to cover education costs for her young son,.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 19, 2014
Aug 24, 2014
Currency Exchange Loss:
Jul 17, 2015