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Las Pagadoras Group
In this Group: Angela, Maritza, Maribel , Dina , Iris Lainer, Leonor, Justa, Julian , Arminda, Yasir*, Maria Patricia, Nancy Jeanette
* not pictured
Las Pagadoras Communal Bank was founded on July 17, 2009 by a group of women entrepreneurs who want to expand their businesses. The group consists of 12 members and this is their first loan cycle. These women are engaged in such retail businesses such as jewelry, food, cosmetics, quilts/sheets, medicines, mocochinchi (peach cider), baked goods, groceries, and other products that are bought and sold on credit.

Sra. Arminda A. is the group president and this is her first time in this position. She sells clothing while she looks after her family in her spare time. Sra. Arminda is very friendly and dynamic, as well as one of the most accomplished and responsible members of the group. She hopes not to disappoint with this opportunity Emprender has offered to her.

Sra. Iris Lainer A. B. is the group treasurer. She sells perfumes and cosmetics maD. by Yanbal and Avon. In addition to being a student, she also takes care of her one year old child and handles the household chores. With the income she earns, she is able to support her family and help her parents with their living expenses. The other group members view Sra. Iris as someone who is responsible and accomplished. She is one of the founders of the group.

Sra. Dina V. R. is the group secretary. She makes and sells clothing. Sra. Dina works 12 hours each day, Monday through Sunday. Her customers bring her the fabric she uses to make the clothing they request. She is one of the founders of the group and this opportunity presented by Emprender is very important to her.

View original language description ↓
Banco D. Emprendimiento:LAS PAGADORAS fue fundado el 17 D. julio D. 2009, a iniciativa D. un grupo D. señoras que tienen un pequeño negocio y desean surguir en un negocio. El grupo esta en su 1er ciclo, compuesto por 12 personas, en el grupo hay señoras que se dedican a la venta D. bijouteria, comida, promotoras D. cosmeticos, venta D. edredones y sabanas, venta D. pastillas y refresco D. mocochinchi, venta D. horneados y panaderia, venta D. abarrotes, que son actividades que necesitan creditos rapidos.

La Sra.Arminda A. es Presidenta del grupo, es nueva en este cargo en el Banco D. Emprendimiento LAS PAGADORAS. Ella se dedica a la venta D. ropa al credito además D. atender a su familia en sus horas libre, es una persona amigable y muy dinamica, ademas D. ello es una persona cumplida y responsable en el grupo y la oportunidad que le brinda Emprender no la defraudara.

La Sra. Iris Lainer A. B. es la tesorera del Banco D. Emprendimiento Las Pagadoras. Se dedica al rubro D. venta D. perfumes y cosmeticos D. Yanbal y Avon, ademas D. estudiar, dentro del rubro tiene 1 año D. antiguedad y tambien realiza labores D. casa. Con los ingresos que persibe ayuda al sustento D. su familia, colabora a sus padres con los gastos familiares, las socias del grupo la ven como alguien responsables y cumplida. La Sra .es unas D. las fundadoras del grupo.
La Sra. Dina V. R., es la secretaria del Banco, se dedica a la confeccion D. ropa, se dedica a la costura D. ropa, trabaja D. lunes a domingo 12 horas al dia, su trabajo mayormente es atender a la gente que visita su negocio para llevarle las telas y ropas que ella debe cofeccionar, La Sra es fundadora en el grupo y la oportunidad que le brinda el Banco D. Emprendimiento Las Pagadoras es muy importante para ella.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Bolivia

  • $5,500
    Average annual income
  • 118
    View loans »
    Bolivia Loans Fundraising
  • $36,714,900
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Pagadoras Group's $2,650 loan helped a member increase operating capital & purchase merchandise.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 23, 2009
Aug 11, 2009
Currency Exchange Loss:
Jan 15, 2010