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Sol Y Luna Group
In this Group: Angelica , Angela , Cristina , Ximena, Elisa , Roxana , Blanca, Faustina
The SOL Y LUNA (Sun & Moon) communal bank is in its 5th cycle; it’s composed of 8 members, all women from Pampahasi, near the Emprender offices. They are involved in a variety of commercial activities, such as: clothing and cosmetics sales, vegetable sales, manufacture and sale of sportswear and jacket sales. In their last cycle they all paid back in full except one of the members who used her savings to repay because one of her family members became ill; her membership in the communal bank was revoked.

Angélica is the group representative and is the current bank president. She sells various brands of catalogue cosmetics. She has been in this line of work for 5 years and will use the requested funds to take advantage of sales and promotions that the firm offering the cosmetics has available.

She has been separated from her husband for about 20 years; she lives with her oldest children and her grandchildren. Angélica acts as both mother and father watching over the wellbeing of the entire family. Because she has limited resources, funds from the institution have been of great use to her to get ahead together with her family and children. She has stood out in her communal bank as a responsible and punctual person with respect to her repayments; she is also very cheerful.

Elisa is a new group member. She is 18 years old and has a 10 month old baby but this is not an obstacle for her to improve and to continue forward despite everything. She is unmarried and lives with her mother and sisters. She is both mother and father to her son. Because he is in a development stage she needs more resources for his nourishment and clothing. For this reason, she has to work.

She and her family live in a two-room house; they are a low-income family. The funds will be used to buy merchandise in order to open a neighborhood grocery store since she already has a proper locale for it located two blocks from Minibus Route 300 stop in VilL. Victoria. This will make it possible for her to support her family and her son.

She is bank treasurer and she was elected to this post thanks to the responsibility and companionship she has shown during her training period.

Roxana is a returning member; she dropped out for a cycle. She makes sportswear that she subsequently sells at her sales stand on Illampu Street, an area that is very commercial for sales. She will use the funds to buy raw materials.

Roxana is single and has a daughter; she lives with relatives in the Pampahasi area. Her goal is to own her own house and later on have her own micro business and to sell her items at wholesale; she would even like to export the labor she does indicating that people have to continue forward despite everything, both good and bad.

She is very grateful to Emprender and to Kiva for the trust placed by granting the loan.
View original language description ↓
El Banco comunal SOL Y LUNA en su Secuencia 5, está formado por 8 clientes, todas mujeres , todas las socias pertenecen a L. Zona de Pampahasi, que están ubicados por los alrededores de L. oficina de Emprender las socias se dedican a L. venta de diversos productos como ser, de ropa, cosméticos, venta de verduras, y L. confección y venta de deportivos o L. venta de chamarras. En L. secuencia anterior todas cancelaron a excepción de una socia que pagó con su ahorro debido que uno de sus familiares estuvo delicado de salud, persona que fue retirada del banco Comunal.

L. Sra. Angélica es L. representante, actualmente toma el cargo de L. presidenta del banco se dedica venta de cosméticos de varias marcas que solicita mediante catalogo, cuenta con esta actividad hace 5 años, el préstamo será destinado para acceder a descuentos y promociones que L. empresa de cosméticos le ofrece.
L. señora vive separa de su esposo hace 20 aproximadamente, vive con sus hijos mayores y nietos, L. señora angélica asume el papel de padre y madre veL. por toda su familia, siendo que cuenta con pocos recursos económicos, los créditos obtenidos de L. institución, le apoyaron para salir adelante junto a su familia y a sus hijos, En su banco comunal se ha destacado como una persona responsable y puntual en sus pagos y muy alegre. Manteniendo un ambiente de grupo responsable, siempre apoyando a sus compañeras.

L. Sra. Elisa Es una integrante nueva del banco, L. señora Elisa tiene 18 años, tiene un bebe de 10 meses lo que no le impide superarse, siguiendo adelante frente a todo, no esta casada vive con su mamá y sus hermanas, asume el rol de padre y madre para su hijo siendo que su hijo esta en una etapa de crecimiento necesita mas recursos económicos para su alimentación y su vestimenta es por esta situación que L. señora tiene que trabajar, elL. al igual que su familia viven en una casa ocupando dos cuartos es una familia de bajos recursos económicos el crédito solicitado es para L. compra de mercadería para L. apertura de una tienda de barrio siendo que ya cuenta con el ambiente necesario que esta ubicado a dos cuadras de L. parada del minibús 300 en L. zona de vilL. victoria, y así apoyar económicamente a su familia y a su hijo, es L. tesorera en su banco comunal, que ha sido elegida por su responsabilidad y el compañerismo que ha demostrado en su proceso de capacitación.

L. Sra. Roxana Socia que retorna a trabajar con su Banca comunal después de haber dejado un ciclo, L. señora Roxana se dedica a L. confección de deportivos y posteriormente los comercializa en su puesto de venta en L. calle Illampu zona que es muy comercial para L. venta. El préstamo esta destinado para incrementar su capital en L. compra de materia prima. L. señora Roxana es soltera tiene una hija, vive con sus familiares en L. zona de Pampahasi. Su meta es tener su propia casa y en adelante tener su propia microempresa y realizar sus ventas al por mayor e incluso realizar L. exportación de L. mano de obra que elL. realiza, indicando que las personas tenemos que seguir adelante sobre todas las cosas buenas y malas.

Esta muy agradecida con Emprender y Kiva por L. confianza brindada en L. otorgacion del credito.

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
  • 128
    View loans »
    Bolivia Loans Fundraising
  • $36,246,475
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Sol Y Luna Group's $3,025 loan helped a member to buy merchandise.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 19, 2010
May 1, 2010
Currency Exchange Loss:
Nov 15, 2010