Carmen is the group representative and bank president. She is a medical therapist providing services both in customers’ homes and in clinics she’s associated with; she has been in this line of work for 5 years. She also sells cosmetics. She is single, has no children and rents with her relatives. She is responsible and punctual with her repayments.
She will use the loan to buy medical equipment.
Pamela is group treasurer. She sells clothing and cosmetics in various places like institutions; she has been in this line of work for 2 years. She is single and has no children; she rents with her parents and siblings. She was elected to this post because of the responsibility she has shown in the communal bank as guarantor and as a group member.
She will use the funds to buy stock merchandise.
Soledad is group secretary. She sells different brands of cosmetics and is also an expeditor.
She will use the funds to buy cosmetics.
All the group members are responsible, dynamic people who are very grateful to Emprender and to Kiva for the trust placed in them in granting the loan.
La Sra. Carmen Es la representante, actualmente toma el cargo D. la presidenta del banco, en cuanto a su actividad ella es Medico Fisioterapeuta, realiza trabajos a domicilios y en consultorios con médicos asociados realiza esta actividad hace 5 años, también se dedica a la venta D. cosméticos. El préstamo será destinado a la compra D. aparatos D. medicina. Soltera sin hijos vive D. alquiler con sus familiares. En su banco comunal, ella se ha destacado como una persona responsable y puntual en sus pagos.
la Sra. Pamela Socia que asume el cargo D. tesorera del banco, se dedica a la venta D. ropa y cosméticos en diferentes lugares ya sea en instituciones se dedica a esta actividad hace 2 años, el préstamo esta destinado a la inversión D. capital. Soltera sin hijos, vive en alquiler con sus padres y sus hermanos.
Ha sido elegida para el cargo por su responsabilidad que ha demostrado dentro del banco como garante y como compañera D. grupo.
La Sra. Soledad, Ha sido elegida como secretaria , se dedica a la venta D. cosméticos D. diferentes Empresas, también es procuradora (tramitadora). El préstamo esta destinado para la inversión D. capital en cosméticos.
Todas las socias son personas responsables y dinamicas y estan muy 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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