Last updated January 14, 2014

Partner Description: 

Given recent regulatory changes in the Bolivian microfinance industry, MFIs are now prevented from offering non-financial services to their clients. As a result, Pro Mujer Bolivia made the decision to split into two separate NGOs: Pro Mujer Bolivia Inc (which provides wraparound services) and Fundación Pro Mujer (which offers loans). Kiva's formal partnership is now with the lending entity Fundación Pro Mujer, and the name of this partnership has been updated accordingly.

Pro Mujer Bolivia is the flagship program of global nonprofit Pro Mujer and the foundational model for all of its countries’ programs. For 20 years, the dedicated staff of Pro Mujer Bolivia has been providing poor women with financial and non-financial services to help them improve their lives.

Not only does Pro Mujer Bolivia offer loan capital for women’s small-scale businesses and opportunities to save through the communal bank structure, it also provides business training and health and personal development services. This holistic approach enables clients to create opportunities for themselves and their families.



Pro Mujer’s Business Development Center has educated more than 20,000 clients on the principles of managing small businesses. The curriculum consists of several training modules and suggested action plans for business startups. The center also provides customized assistance to clients who are already business owners to help them grow.

Pro Mujer’s health and personal development services have provided information on sexual and reproductive health to more than 10,000 clients. These services also include basic primary care, as well as gynecological exams, tests for STIs and early cancer detection. On top of this, medical care also extends to the children of clients. As of 2009, over 5,000 children were treated for respiratory infections and diarrhea, and more than 7,000 children received vital vaccinations through Pro Mujer.

As of 2010, Pro Mujer operates in all nine of Bolivia’s regions -- called departments -- with offices in La Paz, Cobija, El Alto, Cochabamba, Sucre, Tarija, Santa Cruz, Potosí, Oruro, Trinidad and Riberalta. Currently, all Kiva operations are based out of the El Alto regional office.

Want to get more involved with Pro Mujer Bolivia through Kiva? Consider joining the Friends of Pro Mujer Bolivia lending team.

Fundación Pro Mujer's unique lending approach:

Pro Mujer’s women clients bring diverse skills and strong convictions to provide for their families, but very few are able to access formal financial services. For these women, credit alone does not serve their needs. Pro Mujer provides an alternative delivery system for its credit services through group-oriented communal banks. This appeals to women who are accustomed to working in community groups.

For its efforts, Pro Mujer Bolivia has received a number of awards and honors.
See the full list here.

Status Update - September 11, 2011

As part of an ongoing effort to fully migrate risk ratings to our new and enhanced risk rating system, Kiva has conducted a re-assessment of the level of risk posed by this institution.

The information gathered during this process, together with Kiva's new risk rating system and half-star support, has led us to revise Fundación Pro Mujer's risk rating from 5 to 4 stars.

We have prepared a blog post with more information on Kiva's new and enhanced risk rating system, along with a chart showing the relative magnitude of the overall changes for Kiva's portfolio. Fundación Pro Mujer has been informed of our analysts’ findings and their corresponding change in rating.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jul 17, 2007 Oct 12, 2005
Total Loans $14,557,575 $994,392,850
Amount of raised Inactive loans $0 $260,175
Number of raised Inactive loans 0 305
Amount of Paying Back Loans $1,491,025 $154,159,625
Number of Paying Back Loans 264 196,300
Amount of Ended Loans $13,066,550 $839,973,050
Number of Ended Loans 3,903 1,055,657
Delinquency Rate 0.33% 8.64%
Amount in Arrears $2,844 $8,858,527
Outstanding Portfolio $874,338 $102,532,254
Number of Loans Delinquent 3 30,799
Default Rate 0.02% 1.42%
Amount of Ended Loans Defaulted $2,003 $11,907,245
Number of Ended Loans Defaulted 4 34,289
Currency Exchange Loss Rate 0.00% 0.45%
Amount of Currency Exchange Loss $0 $4,517,253
Refund Rate 0.11% 0.60%
Amount of Refunded Loans $16,375 $5,985,075
Number of Refunded Loans 7 6,003

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 99.68% 75.51%
Average Loan Size $398 $398
Average Individual Loan Size $759 $627
Average Group Loan Size $3,580 $1,756
Average number of borrowers per group 9 7.7
Average GDP per capita (PPP) in local country $5,500 $5,870
Average Loan Size / GDP per capita (PPP) 7.24% 6.78%
Average Time to Fund a Loan 10.8 days 6.92 days
Average Dollars Raised Per Day Per Loan $36.87 $57.53
  Average Loan Term 6.8 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2,103 519,970
  Journaling Rate 53.30% 41.10%
  Average Number of Comments Per Journal 0.04 0.05
  Average Number of Recommendations Per Journal 0.22 1.14

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 29% PY 20.00% PY 26.33% PY
  Profitability (return on assets) 2.93% 1.5% -1.08%
  Average Loan Size (% of per capita income) 20.20% 88.00% 16.31%

Country Fast Facts

Field Partner Staff

Jose Rolando Apaza Torrico
Claudia Ximena Colque Arias
Claudia Gomez
Cinthia Jaliri Salguero
Lourdes Mamani
Paola Andrea Menache
Janneth Nina
Ninfa Janneth Nina Poma
Lynne Patterson
Mauricio Rodriguez
Claudia Escobar Valdez
Carmen Velasco