He is an entrepreneurial person, purposeful, proactive, a struggler, steady, responsible and hard working. He works in the 16 de Julio area which is found at an altitude of 4,070 meters above sea level and where the El Alto International Airport is. He has a large commercial retail business and has been the established location for immigrants from the rest of the country, especially recent arrivals from the rural areas. The majority of the immigrants that live in this city come from the rural sectors of the La Paz, Oruro and Potosí departments.
Gonzalo is of a dark complexion, medium build and short, black hair. His native language is Aymara which he combines with Spanish depending on his customers. His work is manufacturing sport clothing. First, he works on the drawing or design for the garment, preparing the pattern and then traces and cuts to finish the clothing. His dream is to improve his quality of life and that of his two children. He thinks that buying the fabric wholesale will generate a better income for his family. He also needs to make a few renovations on his sewing shop due to various snowstorms that ruined the roof, allowing water to enter and ruin his garments.
For these reasons, Gonzalo is requesting a loan to buy wholesale fabric and to renovate his sewing shop with the profits.
El es una persona emprendedora, desidido, proactivo, luchador, constante, responsable y muy trabajador. Su trabajo lo realiza en la zona 16 de Julio que se encuentra a una altitud de 4.070 metros sobre el nivel del mar y dónde se encuentra el Aeropuerto Internacional El Alto. Posee una gran actividad comercial minorista y ha sido el lugar establecimiento para inmigrantes del resto del país, en especial recién llegados de las áreas rurales. La mayoría de los inmigrantes que viven en esta ciudad provienen de los sectores rurales de los departamentos de La Paz, Oruro y Potosí.
Gonzalo es de tez morena, estatura mediana, cabello corto negro, su lengua natal es el aymara que combina con español según el habla de sus clientes. Su trabajo es la confección de ropa deportiva; primero se encarga del Dibujo o diseño de la prenda, la Elaboración de patrones, realiza el Trazo y Corte para terminar con la confección. Su sueño es mejorar su calidad de vida y la de sus dos hijos, el piensa que realizando la compra por mayor de tela generará mejores ingresos económicos para su familia. También necesita realizar unas refacciones en su taller de costura debido a diferentes nevadas que arruinaron el techo dejando que el agua entre y malogre sus prendas.
Es por esos motivos que Gonzalo solicita un préstamo para la compra de tela por mayor y con los beneficios refaccionar su taller de costura.
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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