Mrs. Maria: This is her third loan in this cycle and she has assumed responsibility as president of the group. She is the leader and the representative of the bank. She is a member who is very strict on timely repayment of her groups’ loans. This is her fourth cycle dedicated to cosmetic sales.
She is a married woman with 2 children. Her husband works as a superintendant of pensions.
The loans obtained previously were used to buy basic materials to make skirts. This activity helps pay her family’s debts and helps her husband continue to better their economic quality of life.
Throughout her term with her group, she has demonstrated she is a team-player and always helps out in order to advance in the group’s work. She is very demanding with their repayments and very strict with her companions at the time of repayment.
Mrs. Silveria: She is one of the bank’s founders and treasurer. She is a cheerful, dynamic member who maintains the joy in the group and takes delight in her companions. She is responsible for their repayments and strict with her companions.
This member sells sweet drinks and a variety of desserts from her stall which is located in front of a school. She also spends time creating handmaD. weavings. She has one daughter.
Her previous loan was used to buy groceries for her stall. Now that she has capitalized on that, her dream is to be able to purchase something to transport her groceries.
Mrs. Juana: In this cycle she has assumed responsibility as treasurer of the bank. She is a member who earns a living selling chinaware. In addition, she has a neighborhood store. During her term, she has demonstrated responsibility. Her mother is in delicate health and for this reason she strives to progress.
She is a single member and has now worked three cycles with our institution. During her term she has learned to be responsible and communicate with her companions. She is with the group thanks to her mother who used to work with our institution.
Her dream is to be able to augment her working capital and to be able to buy a house.
All the members are grateful to Emprender and Kiva for the trust placed in them by extending credit.
Banco comunal CONFIANZA está formado por 10 personas, pertenecen a la Zona D. KUPINI, que están ubicados en kupini Central las socias se dedican a la venta D. perfumes, trabajos en tejidos a mano, venta D. comida, venta D. papa, venta D. perfumes, venta D. material escolar, etc. Este grupo D. socias ingresa a su 11 avo. Ciclo con la reestructuración del 40% quedando un 60 % D. socias fundadoras.
La Sra. Maria Es su tercer ciclo en este ciclo asume el cargo D. presidenta del grupo es la líder y representante D. la banca, es una socia estricta a la hora D. pago D. cuotas con sus compañeras, este es su 4to ciclo se dedica a la venta D. cosméticos.
Es una mujer casada tiene 2 hijos su esposo trabaja como empleado en la superintendencia D. pensiones.
Los créditos obtenidos durante su permanencia fueron para invertir en la compra D. materia prima para la confección D. polleras, siendo una actividad que le solventa a su familia y le apoya a su esposo para poder seguir mejorando su calidad D. vida económica.
Durante su permanencia con sus compañeras D. grupo demostró ser una persona solidaria con sus compañeras siempre ayudándolas, a seguir adelante con trabajo, muy exigente con sus cuotas, muy estricta con sus compañeras a la hora D. pago.
La Sra. Silveria Es una D. las fundadoras del banco asume el cargo D. tesorera, Es una socia alegre dinámica siempre manteniendo la alegría en su banca haciendo gozar a sus compañeras, responsable con sus cuotas, exigente con sus compañeras.
La socia se dedica a la venta D. dulces refrescos y variedad D. dulces, en su puesto D. venta que se ubica al frente D. un colegio, también aprovecha su tiempo realizando tejidos a mano, tiene 1 hija.
El préstamo lo invertirá en la compra D. mercadería para su puesto D. venta, siendo que ya se capitalizo con el anterior, sus deseo es poder comprarse una movilidad para trasladar su mercadería.
La Sra. Juana En este ciclo asume el cargo D. tesorera del banco, Es una socia que se dedica a la venta D. vajilla D. porcelana como también, tiene una tienda D. barrio, durante su permanencia demostró responsabilidad siendo que su mamita se encuentra delicada D. salud es por eso que se esfuerza para seguir adelante.
Es una socia soltera, ya trabajo tres ciclos con nuestra institución, durante su permanencia aprendió a ser responsable, y comunicativa con sus compañeras, con el grupo gracias a su mama que trabajo anteriormente con nuestra institución.
Su deseo es poder aumentar su capital D. trabajo y poder comprase una casa
Todas las socias estan agradecidas con Emprender y Kiva por la confianza brindada en la otorgacion del credito.
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.
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.
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Success!! The loan was 100% repaid