Kiva Loans for Emprender

Justo German : Bolivia

Sat, 26 May 2012 07:00:03 PDT

$175 of $1,500 raised.

Started raising funds on May 26, 2012

Justo, age 49, is not married. However, he has lived with his life partner for several years. He has five children. He devotes himself to agriculture, and his plot is in Angostura. This loan is his first loan cycle within the institution. Justo will use this loan to buy seeds to plant potatoes and to prepare the land. His reason for requesting this loan is his lack of cash at the present time. The challenge that Justo faces in his business is to improve his quality of life. He will use the profits to improve his production. Once harvested, he sells his products at the market directly from the producer to the consumer.

22-Niño Jesus Group : Bolivia

Wed, 16 May 2012 15:01:42 PDT

$425 of $4,450 raised.

Started raising funds on May 16, 2012

The Entrepreneurial Bank, 22-Niño Jesus, is made up of nine members, seven women and two men. The president of the bank is María, who is 50 years old and is married with a 20-year-old son. María works making traditional skirts, and has dedicated her time and efforts to this craft for several years. Her workshop is located in the zone of Circunvalación. This is her second loan with this institution, and she plans to use the support from the loan to purchase rolls of fabric for making skirts. She is requesting this loan because she lacks the working capital to presently make the purchase. María faces challenges in her business, and she is constantly working to improve the quality of products she makes. She hopes to utilize her income to continue growing her business and her working capital. Her dream for her business is to keep growing and to master the designs for a wide variety of clothing items. María is grateful to this institution for their support of her business and their support for her fellow group members.

Zanja Honda Group : Bolivia

Thu, 24 May 2012 16:10:02 PDT

$825 of $3,150 raised.

Started raising funds on May 24, 2012

The venture bank Zanja Honda is comprised of 11 members: 10 women and one man. The president of the bank is María Jesús, who is 38 years old, un-married but living with her partner with whom she has two children of 5 and 14 years of age. She works making and selling bread. Her bakery is located in Zanja Honda. This loan is her first with the institution. María Jesús will use the loan to buy flour and butter to make bread and so will increase her working capital and improve her business. Her reason for requesting this loan is a lack of capital. María Jesús faces challenges in her business, including increasing her customer base, and she will use the profits to improve the quality of life for her family. María Jesús is a very hardworking person who is pleased and grateful that the institution offers to her and her group members.

Dias Felices Group : Bolivia

Fri, 25 May 2012 09:10:02 PDT

$525 of $2,625 raised.

Started raising funds on May 25, 2012

The “Días Felices” (Happy Days) communal bank has 8 members, six women and two men. The bank president is Flora, 62. She’s married and has three children who are all now independent adults; they are 33, 25 and 22 years old. She sells basic staple items in a neighborhood store located in the Santa Vera Cruz neighborhood. This loan is her first sequence in the institution and she will use it to buy merchandise like groceries and soft-drinks to stock her store. Her reason for requesting the loan is to increase her working capital. The business challenge Flora faces is competition since there are many stores in her neighborhood but she always treats her customers with kindness and will use profits to continue stocking her store. She is grateful to the institution for the help provided.

Giovana : Bolivia

Tue, 22 May 2012 18:20:03 PDT

$1,050 of $1,425 raised.

Started raising funds on May 22, 2012

Giovana is twenty-five years old and single with two children, aged nine and two. Currently, she has a neighborhood store where she offers a variety of products of primary necessity. Before, she made a living through food sales, but this was difficult work and her two small children left her with little time for food preparation. She must work very hard, since she is a single mother, and she must cover all the expenses for maintaining her two children. Her grocery business is going very well and generates more income. This allows her to improver her quality of life. With the money from the loan, Giovana will purchase groceries wholesale—including noodles, rice, flour, and a variety of soft drinks—in order to stock her store. She is a very dynamic person and she is grateful to the institution for the support that it provides.

Erika Vanessa : Bolivia

Sat, 26 May 2012 16:50:03 PDT

$150 of $1,500 raised.

Started raising funds on May 26, 2012

Erika is 25 years old and sells seasonal clothing, especially sweaters. She has a current loan. She is a single mother with one child who is two years old. She is a successful customer of the credit bank and she is successful with her business. She has great hopes of having continued success as an entrepreneur. She will use this loan to buy women’s sweaters wholesale for the winter season. Her last loan went well and she continues to sell women’s clothes. Her home is located in the “La Portada” zone. She is happy and grateful for the institution that brings her this support, as it provides her with the opportunity to improve the quality of her life.

El Mirador Group : Bolivia

Thu, 24 May 2012 16:20:10 PDT

$500 of $2,850 raised.

Started raising funds on May 24, 2012

The venture bank El Mirador is comprised of 9 members, 6 women and 3 men. The president of the bank is Sofía. She is 42 years old, married, and has 2 children who are 5 and 14 year old. She works making and selling empanadas. She lives in La Guardia. This loan will be her first from the institution. Sofía will use the loan to buy flour and butter for making her empanadas and in this way will increase her working capital and improve her business. Her reason for requesting this loan is a lack of capital. Sofía faces challenges in her business, including increasing her client base, and she will use the profits to improve the quality of life for her family. Sofía is a very hardworking person and she is pleased and grateful that the institute offers support to her and her group members.

Ignacio Warnes Group : Bolivia

Thu, 24 May 2012 17:00:09 PDT

$500 of $3,950 raised.

Started raising funds on May 24, 2012

The venture bank IGNACIO WARNES is made up of eight members: seven women and one man. The president of the bank is Señora Jacinta, who is the one wearing a yellow blouse, blue jacket with light-blue stripes on the sleeves, and jeans. She is next to the secretary, who is carrying the notebook with the minutes. Señora Jacinta is 33 years old and is not married, but she lives with partner with whom she has two children aged 3 and 2 years old. She works selling clothing. She has a store located in the Ignacio Warnes neighborhood, from which the bank takes its name. This loan will be her first lending cycle with the institution. Señora Jacinta will use this loan for the purchase of seasonal clothing for winter, and in this way will increase her working capital. Her reason for requesting this loan is to invest in merchandise. Señora Jacinta faces challenges in her business, namely her competition, and she will use her profits to increase her merchandise. Her dream for her business is to acquire a store in a market. Señora Jacinta is a very hard-working person, who is happy and grateful to the institution for the support provided to her and her companions in the group.

Reina : Bolivia

Sat, 26 May 2012 13:40:02 PDT

$125 of $800 raised.

Started raising funds on May 26, 2012

Sra. Reina is single and has two children, ages 1 and 7. She sells food from a vending stall located in the District of San Mateo. This loan is her third cycle with Emprender. Sra. Reina will use the loan to buy supplies for preparing her dishes, as well as tables and chairs. Her reason for requesting this loan is to expand her business.

Sra. Reina confronts challenges in her business, such as sustaining her children by herself while moving her business forward. By utilizing the benefits of this loan, she will be able to improve her business since it is the only source of income by which she can support her family. For this reason, he wants to grow her business and generate more income.

Una Oportunidad Group : Bolivia

Tue, 15 May 2012 20:00:07 PDT

$875 of $1,325 raised.

Started raising funds on May 15, 2012

The communal bank "Una Oportunidad" is made up of 3 women and one man. The head of the group is Juana (the woman in the skirt). She is 49 years old, married, and has 3 children aged 32, 29 and 24. She has a business selling fish from a stall in one of the markets in the town of Sacaba. This is the first loan that she has taken from the institution. Juana is going to use this loan to buy fish at wholesale to sell from her stall. The reason she is requesting this loan is that she doesn't have enough money to acquire merchandise to sell. Juana faces challenges in her business, including the ups and downs in sales. She will use the profits to continue buying her products, so that in this way she can increase her working capital. Juana feels grateful for this opportunity that she and her fellow group members are being given.

Los Picaflores De Los Chacos Group : Bolivia

Thu, 24 May 2012 15:50:02 PDT

$175 of $4,975 raised.

Started raising funds on May 24, 2012

The Picaflores De Los Chacos communal bank is comprised of 11 members, 10 women and 1 man. Carmen, age 29, is the president of the bank. She is not married, but she lives with her life partner and their two children, ages 8, 4, and one on the way (she is 7 months pregnant). Carmen sells meat. She has a sales stand at one of the markets in the city of Santa Cruz. She lives in the 23 de Diciembre area. This is her second loan cycle in the institution. Carmen will use this loan to buy a freezer. This will allow her to keep the meat she sells in a good state. Carmen does face challenges in her business. The price of meat increases, and this makes meat scarce. Carmen will use the profits to buy more meat. This way she will be able to increase her sales, which will increase her income. In time she wishes to have an equipped butcher shop. Carmen is a very hard-working person, and she is grateful to the institution for the support given to her and her companions in the communal bank. Some of the bank members get their families ahead by themselves.

Lideres Emprendedores Group : Bolivia

Mon, 30 Apr 2012 21:40:05 PDT

$1,000 of $2,275 raised.

Started raising funds on Apr 30, 2012

Líderes Emprendedores Communal Bank is made up of eight members, seven women and one man. The president of the bank is María. She is 29 years old and married with one child, 3. She works in the hairdressing business. She has her beauty salon located in a strategic area of the town of El Torno. This loan is her first sequence with the institution. María will use this loan to buy hairdressing supplies such as hair cream and shampoo, and in this way increase her working capital. Her reason for requesting this loan is to improve her business. María faces challenges in her business such as growing her clientele. She is going to use the profits to improve her family's quality of life. María's desire is to have a stable business.

La Pampa Group : Bolivia

Mon, 07 May 2012 09:20:02 PDT

$875 of $2,850 raised.

Started raising funds on May 7, 2012

The 'La Pampa' community bank has eight members: six women and two men. The bank's president is 44-year-old Nancy. She is not married but lives with her partner. The couple have two children who are 10 and 17 years old. Nancy's business is making and selling bread. She has been working as a baker for several years. Her bakery is located in the town of El Torno. This is her first loan with the institution. Nancy will use her loan to buy supplies such as flour, yeast and butter for making bread. She is requesting this loan to buy supplies wholesale as it works out cheaper to buy in bulk. Nancy faces challenges in her business such as trying to attract more customers so that she can make more income. She will use the profits from her business to offer her family a better quality of life.

Cesar Augusto : Bolivia

Thu, 17 May 2012 02:50:02 PDT

$550 of $1,300 raised.

Started raising funds on May 17, 2012

Cesar is 34 years old. He is not married but he has two children, aged 8 and 4. He has been a client for a while, and before what a member of the Raza de Bronce communal bank. He is a punctual client with his payments, so there was no doubt about giving him another loan. He sells food in a restaurant he owns in the Villa Victoria area of La Paz. The loan will be used to open another business, which is an internet cafe. He wants to buy some equipment for that business and also strengthen his business selling food. Cesar is a very hardworking person who is happy with the opportunity being offered to him.

Cristian : Bolivia

Fri, 18 May 2012 14:10:02 PDT

$425 of $1,000 raised.

Started raising funds on May 18, 2012

Cristian is 26 years old, and he works as a systems technician. He is a relatively new customer as this is his second loan cycle within the institution. He works assembling computers as well as setting up network cables for several offices. This is his only source of income to support himself financially. He requests a loan to buy laminated wood for his job. Cristian is single and lives in the family home. His office is located in a strategic area of the city of Santa Cruz. He is a young person who wants to succeed. In time, he wants to expand his business and increase his income. He feels very happy and is grateful for the help offered to him.

Ines : Bolivia

Thu, 17 May 2012 08:30:03 PDT

$425 of $1,500 raised.

Started raising funds on May 17, 2012

Inés is 42 years of age and is not married, but has two children who are aged nine and seven. She works in agriculture, and has her own plot of land located in San Carlos Limoncito. Inés is a past client of this institution, as this is her second loan. She plans to use this loan to buy seeds to plant carrots and cassava, as well as to cover the costs involved in preparing the land. She has requested the loan as she has no money to buy carrot seeds. Inés faces challenges in her business, including improving her quality of life. She plans to use the profits she earns to improve the planting and harvesting of her produce, which she sells in the town market directly to her customers.

Susana Laura : Bolivia

Fri, 18 May 2012 12:02:03 PDT

$325 of $800 raised.

Started raising funds on May 18, 2012

Susana, 28, is single and has two children who are 4 and 1 year old. She sells groceries in a neighborhood store located in the Héroes de Chaco zone. This is her first loan with the institution and Susana will use it to buy groceries like noodles, rice and sugar at wholesale to stock her store. Her reason for requesting the loan is the lack of working capital. The business challenge Susana faces is to stay competitive in face of the competition and she will use profits to continue to buy varied merchandise to meet customer demand

71-1Ro De Mayo Dos Group : Bolivia

Thu, 24 May 2012 08:20:03 PDT

$150 of $4,175 raised.

Started raising funds on May 24, 2012

The communal bank 71-1ro de Mayo Dos is made up of nine members, six woman and three men. The president of the bank ANGELICA is 34 years old. She is not married but lives with her partner. They have had three children together who are 13, 7 and 1 years old. She earns her living selling food at her food stall which is located in the los pinos area. She is asking for a loan to buy sets of tables and chairs for her business since she has many customers but she does not have tables for the comfort of her customers. She is asking for this loan because she does not have working capital. Angelica faces the challenge of a lack of stability in her business. She is going to use the profits to improve her quality of life and that of her family. Angelica feels happy and is grateful to the institution for the support it has given her and her colleagues from the group, since they are hard-working people who, in most cases, help improve their family’s situation.

Daniel Enrique : Bolivia

Fri, 25 May 2012 11:00:08 PDT

$75 of $1,025 raised.

Started raising funds on May 25, 2012

Daniel, 30, is an upholsterer; he has his shop in the Panamericana zone. This loan is his second sequence in the institution. Daniel will use this loan to buy leather to do his work and increase his capital. His reason for requesting the loan is the lack of capital to buy supplies. The business challenge Daniel faces is competition and he will use profits to improve his quality of life. His hope for his business is to enlarge his workshop.

Mantillitas Group : Bolivia

Mon, 07 May 2012 16:50:04 PDT

$475 of $5,700 raised.

Started raising funds on May 7, 2012

The “Mantillitas” communal bank has 8 members, six women and two men. The bank president is Flora. She’s 37 years old and a single mother of four children who are 12, 8, 4 and 1 year old. She sells fruit in quantity in her fruit stand located in the 25 de Julio zone. This loan is her first sequence within the institution. Flora will use the loan to buy seasonal fruit like watermelon, mandarins and oranges at wholesale to stock her stand. Her reason for requesting the loan is lack of capital. The business challenge Flora faces is to improve her stand, to expand it, in order to have more products to offer her customers. She will use profits to increase her working capital.

Melvy : Bolivia

Thu, 17 May 2012 08:30:03 PDT

$225 of $800 raised.

Started raising funds on May 17, 2012

Melvy is 31 years of age and is not married. She lives with her partner with whom she has three children, aged nine, seven and five. She works in agriculture and has a plot of land located in Sombrerito. Melvy is a past client of this institution, and this is her second loan. She plans to use the loan to cover the expenses involved in looking after her seedlings and plants. She has asked for this loan as she does not have enough money to take care of her plants. Melvy faces challenges in her business, such as improving her quality of life, and plans to use the profits she generates to continue improving her produce. She is a friendly person who feels happy and grateful to the institution for the support it has given her.

Alicia : Bolivia

Sat, 19 May 2012 03:30:02 PDT

$200 of $1,025 raised.

Started raising funds on May 19, 2012

Alicia is 58 years old and is married with 2 children who have now left home. She works as a street vendor selling ice creams at different schools, squares and football pitches. She lives in the Bajo Llojeta area. This loan is her fourth cycle within the institution. Alicia will use the loan to buy a cart to sell her ice creams. She's requesting this loan due to her lack of capital and in order to improve the image of her business. Alicia faces the challenge of expanding her business, and she will use the profits to improve the distribution of her products. Her desire is to expand her business much more widely.

Patricia Rufina : Bolivia

Sat, 19 May 2012 08:10:03 PDT

$125 of $1,025 raised.

Started raising funds on May 19, 2012

Patricia is 29 years old and makes articles of clothing. This will be her second loan through our institution. At evaluation time Patricia demonstrated a good attitude and was courteous and friendly. Patricia lives in the city of La Paz, Bolivia and currently lives with her husband. Both have been working making jackets and jogging suits for the past 10 years. Patricia got this loan to buy fabric so that she could grow her workshop and be able to deliver an important order. The workshop is located within her parents’ home. One of her goals is to buy a home of her own and set up a bigger workshop there. She expects to reach her goals by persevering in her work.

Julieta : Bolivia

Sat, 19 May 2012 22:10:02 PDT

$125 of $950 raised.

Started raising funds on May 19, 2012

Sra. Julieta is 45 years old and married. She sells food, which consists of a variety of dishes offered from her eatery that is located in the District of Tembladerani. This loan is her fourth cycle with Emprender. Sra. Julieta will use the money to buy construction materials for remodeling the place where she sells food. Her reason for requesting this loan is to improve the image of her business.

Sra. Julieta faces challenges in her business, such as moving to a more commercial area. By utilizing the benefits of this loan, she can continue improving her facilities.

Nicolas : Bolivia

Sat, 19 May 2012 15:00:12 PDT

$100 of $1,175 raised.

Started raising funds on May 19, 2012

Nicolas is 40 years old. He is not married but lives with his partner. The couple have two children who are 8 and 10 years old. Nicolas' business is baking and selling bread in his bakery which is located in the town of Espejo. This loan is his first with our institution. Nicolas will use his loan to buy a larger oven for his business. His reason for requesting this loan is to expand his business so that he can make more profits. Nicolas faces challenges in his business such as increasing his production and thereby his profits. He will use the profits that he makes to improve his family's quality of life. He hopes to do well in his business so that he has something to leave his children.

Marlene : Bolivia

Sun, 20 May 2012 23:30:02 PDT

$150 of $875 raised.

Started raising funds on May 20, 2012

Sra. Marlene is originally from the residential area of San Carlos, which is about 15 kilometers from the town of San Jose. She has her own home that she purchased through hard work. Her current business is selling charcoal at the local market. She is in a common-law relationship with Sr. Luis, who is a chainsaw operator. They have three children who are of school age.

With the money from this loan, Sra. Marlene will buy charcoal in bulk so that she can sell it in smaller amounts. She is a hardworking and responsible person. Her wish is to see her children become professionals and good people. Marlene is grateful to Emprender for the financial support it has provided so that she can have a better quality of life.

Martha : Bolivia

Mon, 21 May 2012 05:00:08 PDT

$100 of $1,250 raised.

Started raising funds on May 21, 2012

Sra. Martha is 62 years old and married. She has a son who is 32 years old and independent. Martha is a seamstress and mends articles of clothing, but she also has a retail bazaar where she offers a variety of products such as ribbons, lace, and buttons, that she also uses in making garments. This loan is her first cycle with Emprender.

Sra. Martha will use this loan to buy fabrics so that she can increase her operating capital. She confronts challenges in her business, such as dealing with the competition. Sra. Martha will utilize the benefits of this loan by purchasing merchandise for her bazaar, thus enabling her to generate more income.

Felicia : Bolivia

Wed, 23 May 2012 14:30:03 PDT

$75 of $1,500 raised.

Started raising funds on May 23, 2012

Sra. Felicia is 46 years old and a single mother with four children (ages 22, 19, 17, and 12). She prepares and sells food from her vending stall, which is located at one of the busiest markets in the city of Cochabamba. This loan is her fourth cycle with Emprender. Sra. Felicia will use this loan to buy construction materials for remodeling her vending stall so that she can provide greater comfort for her customers. She has many customers and tries to treat them with great friendliness and respect. Her food is also well-prepared. Sra. Felicia faces challenges in her business, such as dealing with competition from other people who also sell food. By utilizing the benefits of this loan, she will be able to provide greater comfort for her family through the purchase of appliances for her home.

Felicia is grateful to Emprender for giving her opportunities to improve her quality of life. In the photograph, Sra. Felicia is shown with her daughter who helps her with making sales.

Carlos Javier : Bolivia

Fri, 25 May 2012 07:40:02 PDT

$50 of $1,200 raised.

Started raising funds on May 25, 2012

Carlos is 30 years old and married. He makes a living as a dentist and has his dentist practice in the Segundo Crucero area in the north part of La Paz. This is Carlos's second loan cycle with this institution, which he will use to buy X-ray equipment to equip his practice. Carlos is requesting this loan to bid on this used equipment. Carlos is faced with challenges in his business, such as moving to a more commercial area. He is going to use the profits to continue equipping his practice and this way, he will increase attention from his customers.

Zaida Ximena : Bolivia

Fri, 25 May 2012 08:30:02 PDT

$25 of $950 raised.

Started raising funds on May 25, 2012

22-year old Sra. Zaida is single and earns her living selling breakfast items such as coffee, herbal teas, and sandwiches at one of the markets in the El Tejar area. This will be her first loan with the institution, and she plans to use the money to buy construction materials and improve her stall so that it attracts more customers. She doesn’t have enough money of her own to buy the materials. One of the challenges that Zaida faces is competition in the market for breakfasts. She will use the profit she makes as working capital and to make improvements to her stall. One day she hopes to buy another stall and expand her business.

Juana : Bolivia

Fri, 25 May 2012 11:01:26 PDT

$25 of $800 raised.

Started raising funds on May 25, 2012

Juana, 41, is single and has five children who are 4, 6, 18, 23 and 25 years old. She works making turnovers and refreshments to sell in her stand located in the Las Vegas zone. This loan is her third sequence in the institution. Juana will use this loan to buy a freezer and supplies needed to make the empanadas and refreshments thus increasing her working capital. The business challenge Juana faces is staying ahead of the competition and she will use profits to improve her business’ income. Her hope is to have a house of her own to provide more comfort for her family.

Fredy Fernando : Bolivia

Sat, 26 May 2012 06:40:02 PDT

$25 of $1,025 raised.

Started raising funds on May 26, 2012

Fernando is 27 years old and single. He devotes himself to selling Internet service. His Internet café is in the Francisco de Rivero zone. This loan is his first loan cycle with the institution. Fernando will use this loan to buy televisions in order to set up games in his business. His reason for requesting this loan is to increase his clientele. Fernando will use the profits to reinvest in his business. His wish for his business is to maintain stability in the market. Fernando is an enterprising and hard-working young man. He generates income in order to help his family.

Alvaro Vladimir : Bolivia

Mon, 30 Apr 2012 22:50:02 PDT

$175 of $875 raised.

Started raising funds on Apr 30, 2012

Álvaro is a 26 year old single man who has been making dress clothes for a few years now. He makes sports jackets and his shop is located in his home which is located in the zone of Alto Tacagua. This loan is his first with this microfinance institution. Álvaro will use the loan to purchase fabric to make his wholesale dress clothing. He wants to take out the loan to increase his investment capital. Álvaro faces the challenge of increasing the income of his business. He's going to utilize the loan to invest in the purchase of materials to make good quality clothing and in this way, increase his customers' orders. Álvaro is a very hardworking person; he feels happy and grateful for the financial support.

Karen Cesia : Bolivia

Fri, 04 May 2012 11:00:09 PDT

$125 of $475 raised.

Started raising funds on May 4, 2012

Karen, 26, is single with a six year old son in her care. She sells cosmetics at wholesale. She’s a leader in a firm that sells cosmetics world-wide via catalogue. She sells the products visiting various homes to offer her products. This loan will be her second cycle in the institution. Karen will use this loan to buy cosmetics merchandise at wholesale that’s on special promotion. The reason for requesting the loan is to increase her inventory. The business challenge Karen faces is the great amount of competition in the market but even so she continues to striving and working hard. She will use the profits to stock various costume jewelry items. In time she’d like to have a store of her own to sell a variety of products as well as various lines of perfume. Karen is a very hardworking person and feels happy and proud about the achievements she’s attained based on her sacrifices.

Edgar : Bolivia

Fri, 04 May 2012 17:10:02 PDT

$100 of $525 raised.

Started raising funds on May 4, 2012

Sr. Edgar is 32 years old, married, and has an 11-month-old son. He sells grilled chicken from a stand in the town of Limoncito. This will be his first loan cycle with Emprender. Sr. Edgar will use this loan to buy a larger grill for his business so that he can cook a larger quantity of meat. His reason for requesting this loan is that he lacks the capital to purchase the grill.

Edgar faces challenges in his business as he seeks to get out of poverty, but he plans to use his earnings to improve his quality of life and that of his family.

Carmen : Bolivia

Sat, 05 May 2012 11:50:03 PDT

$250 of $1,200 raised.

Started raising funds on May 5, 2012

Carmen, 51, is married and has two children who are 16 and 18 year sold. She sells clothes. Her stand is located in the city of Oruro. She buys clothes in the city of La Paz and goes to sell it in the city of Oruro. She travels twice a week on Wednesdays and Saturdays which are the market days in the city of Oruro. This is her first loan sequence within the institution. Carmen will use this loan to buy various styles of clothes to stock her business with a variety of articles of clothing. Her reason for requesting the loan is to increase her inventory. The business challenge Carmen faces is competition. She will use profits to gradually obtain a store of her own in the city of La Paz so as not to have to travel any longer which is a bit exhausting for her but she has to do it for her family’s wellbeing. In the photo Carmen appears in the company of her husband.

Froilan : Bolivia

Sat, 05 May 2012 11:50:03 PDT

$50 of $1,025 raised.

Started raising funds on May 5, 2012

Froilán, 45, is married and has two children who are 10 and 19 years old. His activity is selling food in a snack bar located in one of the city of El Alto’s most crowded avenues. This loan is his third sequence within the institution. Froilán will use the loan to buy a computer for his children’s school work. His reason for requesting the loan is thinking about his children’s education. The business challenge Froilán faces is daily competition because there are several cafeterias in his zone. He will use profits to support his children’s education. His wish for his business is to see himself as a businessman running a chain of cafeterias in the city of El Alto.

Severina : Bolivia

Sun, 06 May 2012 08:30:02 PDT

$75 of $1,325 raised.

Started raising funds on May 6, 2012

Sra. Severina is 42 and married, with a four-year old son. For a number of years she has been selling food, and she also runs a minibus, which her husband drives. She lives in the area of Bajo Pampahasi. This is her fourth loan cycle with Kiva partner Emprender. She will use this loan to repair her vehicle, as it has some problems. Her reason for seeking the loan is to keep the minibus in working order. Severina is facing a number of challenges with her food sales business, namely competition from other food stalls. She will use her profits to continue to improve her vehicle and keep all the passengers comfortable and happy. Her dream for her business is to have a regional transport company. In the photo, Severina is pictured with her husband and son.

Judith Georgina : Bolivia

Mon, 07 May 2012 01:50:00 PDT

$75 of $825 raised.

Started raising funds on May 7, 2012

Judith is 22 years old and she in single. She sells clothes, and she owns a shop located in one of the most busy and strategic streets of the town of La Paz. This is her first loan with our institution, and Judith will use it to buy a variety of seasonal clothes to stock up her shop. She is therefore requesting a loan to increase her working capital. Judith has to face many challenges with her activity, notably competition, but she has an advantage upon her competitors: she sells seasonal clothes, she is better stocked up and she will use the loan to buy more clothes for her inventory. She hopes that her activity will grow and to be able to become a supplier, distributing clothes to other shop at wholesale price. She is a young and resourceful entrepreneur and she is happy and thankful for the opportunity she has been granted.

Maria : Bolivia

Mon, 07 May 2012 12:10:03 PDT

$150 of $800 raised.

Started raising funds on May 7, 2012

María, born in the town of El Torno-Santa Cruz, is 39 years old. She is not married but lives with Walter. They have four children. Her home is her own, located in the 6 de Mayo neighborhood. They have lived in the area for 24 years. María has a business selling food such as pickled and cooked vegetables, stewed corn, cheese, ground hot pepper, ground peanuts, etc. in the main market of the town. She has had this business for 15 years. The goal of the loan is to buy merchandise (corn to make the stewed corn). She is very grateful to the institution for the trust they have shown her. She is a person who wants to succeed, always striving for the well-being of her family.

Gladys : Bolivia

Mon, 07 May 2012 10:40:06 PDT

$100 of $600 raised.

Started raising funds on May 7, 2012

Gladys is 31 years old. She is not married but has been living with her partner for a long time. She does not have children right now. Gladys' business is selling shoes, clothing, sandals and bags. Her store is located in the town of El Torno. This is her first loan with the institution. Gladys will use this loan to buy seasonal clothing with which to stock her business. She is requesting this loan so that she can offer a variety of products to her customers. Gladys faces challenges in her business such as competition and fighting her way out of poverty. She will use the profits from her business to improve her own quality of life as well as that of her family. Her wish is to have a larger store, stocked with a variety of merchandise, so that she can make more income. She feels happy and grateful for the opportunity that the institution is giving her to grow her business.

Roberto : Bolivia

Mon, 07 May 2012 16:40:12 PDT

$100 of $1,175 raised.

Started raising funds on May 7, 2012

Roberto’s activity is selling newspapers and magazines. His stand is centrally located in the city of La Paz. He has a stand located in a very strategic spot. He’s there every morning from 7am when he buys the newspapers and sells them until he runs out at approximately 2pm. His children are all older now and two of them also work selling newspapers. His children are attending university and Roberto’s dream is that his children become professionals and can practice their professions. He helps them every way he can and gives them advice for life later on. He will use the loan to buy books and magazines to sell because he did very well with his previous loan and this is why he wants to continue selling magazines and this is why he requested the loan. Roberto feels happy and grateful for the opportunity he’s being given.

Lola Carminia : Bolivia

Tue, 15 May 2012 22:00:08 PDT

$0 of $1,025 raised.

Started raising funds on May 15, 2012

Lola, 50, is not married but lives with her partner. She sells groceries in a stall in one of the markets in the town of El Torno. This loan is her first with the institution. Lola will use this loan to buy merchandise like noodles, sugar and rice in bulk to stock her store. Her reason for asking for the loan is a lack of business capital. The challenge that Lola faces in her business is to constantly improve her attention to customers, and she will use the benefits of the loan to keep improving her store.

Santa Terecita Group : Bolivia

Wed, 16 May 2012 15:01:23 PDT

$125 of $3,800 raised.

Started raising funds on May 16, 2012

The “Santa Terecita” communal bank has 8 members, four women and four men. The bank’s president is Marcelina, 63. She’s married and has a son who is independent. She works selling fruit in one of the city of Cochabamba’s busiest markets. Marcelina is a longstanding client of the institution since this loan is her fifth sequence. She is going to use it to buy seasonal fruit at wholesale. The reason for requesting the loan is the lack of working capital to buy her products. Marcelina faces business challenges like competition and will use the benefits to improve her quality of life. Her wish is to see her business grow and to become a major distributor in the zone. Marcelina feels happy and grateful to the institution for the support provided her and her fellow group members. In the photo, one of the members appears with his wife.

Martin : Bolivia

Thu, 17 May 2012 04:00:05 PDT

$100 of $600 raised.

Started raising funds on May 17, 2012

Martin is 57 years old, he is single and has 3 children who are already grown up. He works as a farmer and has a plot of land which is located in the locality of El Porvenir. Martin is a long-standing customer of the micro finance institution, as this loan is his fifth loan cycle with them. Martin will use this loan to buy seeds to plant potatoes, as well as to cover the costs of preparing the land. The reason for requesting this loan is due to a lack of capital to plant potatoes. The challenge Martin faces in his business is to improve his quality of life, and he will use the profits to continue to improve the planting and harvesting of his products. He sells his goods in the local market, selling directly from producer to consumer.

Martina : Bolivia

Fri, 25 May 2012 09:00:11 PDT

$0 of $1,000 raised.

Started raising funds on May 25, 2012

Martina as 45 years old and not married but lives with her partner, but has two sons ages 17 and 12. She dedicates herself to making and selling fried chicken at her food stall, which can be found on one of the busiest streets in the city of Cochabamba. This loan is her first sequence within the institution. Martina will use the loan to buy construction materials for building a room in her house. Her reason for requesting the funds is a lack of capital, given that her and her partner's income is not enough to buy the needed materials. Martina meets challenges in her business, such as not having a fixed business location at the city’s market from which to sell her fried chicken. For this reason, she sells her food on the street, and will use the benefits of the loan to buy bricks and plaster to continue building her little house.

Susana : Bolivia

Thu, 17 May 2012 15:50:03 PDT

$0 of $1,000 raised.

Started raising funds on May 17, 2012

Susana is 40 years old and has three children that are 17 and 23 years old. She works in food sales and sells rotisserie chicken. This is her first loan cycle with the bank. Susana will use the loan to buy a chicken grill for her business. Susana needs the loan because she lacks the money to buy a grill herself, and it's important that she buys one for her business. Susana is facing some challenges in her business, as it is difficult to increase her clientele and thus increase her income. She will use the earnings from her business to buy household items and to improve her family's standard of living.

Gregoria : Bolivia

Thu, 17 May 2012 17:10:03 PDT

$50 of $1,000 raised.

Started raising funds on May 17, 2012

Gregoria, 50, has four dependent children, ages 8, 10, 13, and 16. Her husband Enrique is in the town of San Julián working as a bricklayer. Gregoria lives in the Plan 3000 area. She has sold used clothing and footwear for approximately 10 years in the different markets in the capital of Santa Cruz. The loan she is requesting is to increase her working capital buying merchandise--bundles of sneakers and boots. She used some of the capital she had because of an investment she made to build her son's house Gregoria is a kind and hardworking person. She is grateful to the institution for the support given.

Serafina : Bolivia

Fri, 18 May 2012 09:50:03 PDT

$75 of $1,475 raised.

Started raising funds on May 18, 2012

Serafina, 57, is married and has a 20 year-old son. She has a business making the petticoats that the "cholitas," (indigenous women who wear the traditional costume), wear with traditional Bolivian skirts. Her workshop and home are located in the Huayra Kassa neighborhood. This will be her second loan with the institution. Serafina will use the money to buy construction materials, because she is adding a room to her house. She is requesting this loan so that she can improve her family's quality of life and provide them with greater comfort. Serafina faces challenges in her business, such as the competition. She will continue to use the profits from this business to build a house for her son. Over time, she wants to have a bigger workshop, to hire employees, and to deliver her merchandise to the various markets in the City of Cochabamba. She feels happy and grateful that you are providing her with this opportunity.

Mary Languidey : Bolivia

Fri, 18 May 2012 14:30:03 PDT

$100 of $750 raised.

Started raising funds on May 18, 2012

Sra. Mary is 64 years old and a native of La Guardia in Santa Cruz. She and Sr. Seferino live together in their own home, which is located in the district of La Guardia. Her economic activity is the sale of seasonal fruits and she has been in business for 23 years. Mary will use the loan to buy seasonal fruits wholesale in order to stock her sales stall since she constantly has to buy fruit according to the season. She did very well with the previous loan. Sra. Mary, despite being a senior, continues working since this is her only source of income. She is grateful to Emprender for the support it has provided her

Nancy Juana : Bolivia

Fri, 18 May 2012 15:10:05 PDT

$50 of $1,025 raised.

Started raising funds on May 18, 2012

Nancy, 45, is married and has two children who are 8 and 10 years old. Her activity is selling food and gift wrapping paper in her stand located in the Bolívar zone in the city of El Alto (in the south of this city). This loan is the first sequence in the institution and Nancy will use the loan to buy ingredients to prepare her dishes like rice, noodles and others. The reason for requesting this loan is the lack of working capital. The business challenge Nancy faces daily is competition because there are many others selling food in her zone. She will use the profits for the business’ growth.

Maria Isabel : Bolivia

Sat, 19 May 2012 13:50:03 PDT

$25 of $950 raised.

Started raising funds on May 19, 2012

Sra. María is 30 years old, married, and has an eight-year-old child. She has a neighborhood store where she offers a variety of basic necessity products. María also prepares and sells food. Her store is located in the District of Héroes del Chaco.

This loan is the first one she has received from Emprender. Sra. María will use this loan to buy a display case for presenting the sweets in her store. Her reason for requesting this loan is so that she can improve her family's quality of life. María faces challenges in her business, such as trying to improve her sales. By utilizing the benefits of this loan, she will be able to display a variety of products to her customers.

Maria Luisa : Bolivia

Sat, 19 May 2012 23:50:02 PDT

$25 of $750 raised.

Started raising funds on May 19, 2012

Srta. María is 21 years old and single. She sells "api" and pastries from her vending stall in the District of Cruce Villa Copacabana. This is her fifth loan cycle with Emprender. Srta. María will use the money to buy supplies, such as sugar and flour, for preparing the delicious "api" (a refreshing drink made from white and purple corn that is generally served with cheese pastries).

Her reason for requesting this loan is to expand her business. María confront challenges in her business, such as dealing with the competition since there are several vendors in the area who sell "api". By utilizing the benefits of this loan, she will continue to improve and grow in her business. María is a hardworking and enterprising young woman who is pleased and grateful to Emprender for the support it has provided.

Maria Luisa : Bolivia

Sat, 19 May 2012 09:30:02 PDT

$25 of $1,000 raised.

Started raising funds on May 19, 2012

Sra. María is 36 years old, married, and has three children (ages 10, 4, and 2). Her business involves selling honey, which she buys in bulk so that she can eventually resell it in smaller amounts. She conducts her business every day of the week. María is a young hardworking individual. Her husband also works in a town near the city of La Paz.

This loan will be used to buy honey in bulk that she can sell. Sra. María is a hard worker who always looks to invest her earnings in her business. She is pleased and expresses her appreciation to Emprender for the support it has provided.

Nieves : Bolivia

Sat, 19 May 2012 12:40:04 PDT

$75 of $1,475 raised.

Started raising funds on May 19, 2012

Nieves is thirty-nine years old and is not married, although she lives with her partner and their five children. Her children are twelve, ten, eight, six, and four years old. Nieves is a leader who worked excellently with her communal bank and who now works individually. She sells men’s pants in the 16 de julio market, and she owns her stand. She lives with her husband and children. Her eldest got sick with appendicitis, but in spite of this situation, she was able to get ahead with the help of her family. Nieves is very hard-working and works well with her companions. Her goal is to see her children become professionals and to have a house of her own so she can make them more comfortable. She will use the loan money to purchase pants at wholesale prices for the cold season. Her previous loan helped her very much. Nieves is a hard-working person, and she is grateful to the institution for the support it has provided her.

Jacobina : Bolivia

Sat, 19 May 2012 13:10:02 PDT

$0 of $1,000 raised.

Started raising funds on May 19, 2012

Jacobina is 62 years old, married, and has two children, ages 35 and 28. She makes a living selling food and moconchinchi, a soft drink made from dried peaches. Her stand is located in the Independencia area in the city of Cochabamba. This is Jacobina’s first loan with Emprender, and she will use it to purchase more dried peaches for making moconchinchi soft drinks. She is asking for this loan because she doesn’t have enough money to buy the ingredients she needs. Jacobina will use her profits to purchase a much larger supply of dried peaches for making moconchinchi, since their cost is about to go up and she wants to have the peaches in bulk so that she won’t have to worry about running out. Jacobina is very happy to receive this loan and is grateful to Emprender for its support.

Angelica : Bolivia

Sat, 19 May 2012 15:00:12 PDT

$50 of $1,000 raised.

Started raising funds on May 19, 2012

Angelica is 35 years old. She is unmarried and lives with her partner and their 3 children, who are ages 4, 6, and 16. She makes a living preparing and selling bread and salteñas [empanadas] at her bakery, which is located in the town of Monte Grande. This is Angelica’s first loan with Emprender, and she will use it to purchase a large oven and gas cylinders for her bakery. She is asking for this loan so she can grow her business and thus generate more profits. Angelica’s main challenge in her business is increasing her production, and therefore her earnings as well. She is going to use her profits to improve her family’s quality of life. Angelica’s dream is for her business to do well so she can leave something for her children.

Francisca : Bolivia

Sat, 19 May 2012 17:40:02 PDT

$50 of $1,475 raised.

Started raising funds on May 19, 2012

Francisca is 45 years old and married, with 1 son who is 6 years old. She sells “tucumanas” [stuffed buns, similar to “empanadas”] and “saltenas” [meat pies] in the zone of Pampahasi. This is her 1st loan cycle with this Institution. Francisca will use the loan to buy an oven for her business. Her reason for soliciting the loan is her lack of working capital. Francisca confronts challenges in her business, especially the large number of competitors in the market. She will utilize the benefits to establish another sales post. Her dream for her business is to have many stalls selling “tucumanes” and thus, in this way, to improve her income and, consequently, her quality of life.

Laura : Bolivia

Sat, 19 May 2012 18:00:09 PDT

$25 of $825 raised.

Started raising funds on May 19, 2012

Laura, a native of San Jose, lives in her parent's home. She is 49 years old and she has two children that are 19 and 21 years old. She sells snacks and sandwiches in the region's school. She lives with José who is a bricklayer. Laura gets up in the early morning hours to prepare the sandwiches and also to prepare lunch for her family. Afterward, she leaves her home to make her morning sales. With this loan, Laura will buy ingredients for the preparation of her snacks. Laura is a very responsible person and she is grateful to work with this institution because of its economic support, which enables her to have a better quality of life and to continue working to get ahead.

Lucia Lourdes : Bolivia

Fri, 25 May 2012 09:10:03 PDT

$0 of $600 raised.

Started raising funds on May 25, 2012

Lucia, 43, has had a business selling clothing for a number of years. She sells on the crowded streets of the city of Quillacollo, Cochabamba. She is a long-time client who has always been responsible with her payments. Her husband continues to work as a miner in small mines in the department of Oruro, where he is paid according to his output. Lucia will use this loan to stock up with more clothing for the winter season. She has her own home in the northern area of the city. Lucia is a very hardworking person who is happy and grateful to the institution for this new loan, because things went quite well with her previous loan.