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Trebol De 4 Hojas Group
In this Group: Antonia, Karina, Cinthya Licette, Sergio, Lidia, Rosa Esther, Gregoria, Ana , Tania, Shirley Alejandra
The Trebol D. 4 Hojas Bank is one of the banks that fundamentally supports its older members. Them members of the bank sell cell phones, are painter, wash cars, run a general store, and sell vegetables. This bank is now it its third loan cycle, and during their past cycles there have not been any problems, always making their full payments. The solicited loans will be used for the purchase of merchadise and for building capital for their businesses in order to allow their business to be one of the main financial providers for their families. The majority of the members have low financial resources, and their loans would improve their quality of life.

ANTONIA is one of the members of the Trebol D. 4 Hojas Bank, she is one of the founders, and she is serving as the bank representative and president and is continuing to serve as the representative of the Communal bank. During her time with the bank, she has learned to be the highest saving member of her group. Her business is the sale of flowers and candles in churches. She very demanding of her fellow borrowers.

CINTHYA LICETTE is the secretary of the Communal Bank. She is one of the members who helped found the bank, and in her tenure, she has shown herself to be very responsible with her repayments. Her business is cell phone sales and she is soliciting this loan to buy merchandise.

ANA is the member who serves as the treasurer of the bank. Like the other members, she is a founder of the bank. Her business is working with glass and she will use this loan for working material. As part of this bank, she has learned to work well with her peers and to always be punctual, arriving at the right time for payments.
View original language description ↓
El Banco Trebol D. 4 Hojas es una D. las bancas que se sostiene en base a sus socias antiguas, las socias D. la banca se dedican a la venta D. celulares, pintores, lavado D. autos, Tienda D. Abarrotes, venta D. verduras, banca que actualmente se encuentra en el 3er ciclo, durante su permanencia no presentaron problemas, siempre cumpliendo sus cuotas. Los creditos otorgados lo invirtieron en la compra D. mercaderia, aumento D. capital en sus negocios, ya que sus negocios llega a ser uno D. los principales sustentos para su familia la mayoria D. las socias tienen recursos economicos bajos que con los creditos otorgados van mejorando su calidad D. vida. ANTONIA, es una D. las socias que conformo la banca trebol D. 4 hojas, es una D. las fundadoras, y representante D. la banca como presidenta, actualmente sigue como representante D. la banca Comunal, en su permanencia la señora ha aprendio a ser una D. las socias mas ahorradoras dentro su grupo, su actividad es la venta D. flores, velas, en las iglesias, es muy exigente con sus compañeras los creditos. CINTHYA LICETTE, es la secretaria D. la banca Comunal, es una D. las socias que integra a la banca como fundadora, en su permanenecia demostro mucha responsabilidad, en sus pagos D. cuotas, su actividad es la venta D. celulares, el credito solicitado lo necesita para la compra D. mercaderia. ANA, socia que cumple la funcion D. tesorera D. la banca, al igual que otras socias, es una D. las fundadoras D. la banca, la socias se dedica a trabajos con vidrio, el credito lo invertira para la compra D. material D. trabajo, en la banca aprendio a estar en comunidad con las socias siempre puntual, a la hora D. pagar cuotas.

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
  • 125
    View loans »
    Bolivia Loans Fundraising
  • $36,721,100
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Trebol De 4 Hojas Group's $2,225 loan helped a member purchase of merchandise, material, and tools for working with glass.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 18, 2009
Dec 2, 2009
Currency Exchange Loss:
Apr 15, 2010