Ms. Marcia is an employee of the phone company, Cotel, an organization that provides housing for its workers. She does not have to pay rent and lives with her entire family. She works as a courier and also cleans. In addition, she sells food to her fellow employees to increase her income. The loan she is requesting will be used to pay for her eldest son's studies. He is finishing his degree in systems engineering. She is not a member of IMPRO (Kiva Field Partner), but her high moral character has allowed her a line of credit. Additionally, the cash flow will allow her to make monthly payments.
La señora Marcia es empleada de Cotel (Compañía de telefonos), entidad que le proporciona la vivienda, en este lugar ella no paga alquiler y vive con toda su familia; el trabajo que realiza es de mensajera y limpieza, además de esta actividad ella vende comida a los mismos empleados para aumentar sus ingresos.
El crédito que solicita es para pagar los estudios de su hijo mayor el cual está por terminar la carrera de ingeniería en sistemas.
No es cliente de Impro pero por el carácter social puede acceder a un crédito, además de que el flujo de fondos le permite efectuar los pagos mensuales.
IMPRO is a small non-profit organization that has been offering micro credit to the working poor in the Bolivian cities of La Paz and El Alto since 1995. IMPRO’s goal is to fight poverty by offering loans to small business owners who cannot access credit through the regular banking system due to a lack of guarantees or collateral.
To ensure that everyone has access to credit, IMPRO maintains a low interest rate by minimizing operational costs. IMPRO’s partnership with Kiva, which began in 2007, has allowed IMPRO to expand its services while maintaining these low interest rates.