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Herminia has a store where she sells silver jewelry and costume jewelry. She also makes sales through catalogs. Her potential customers are bank employees and public office workers. With a small amount of capital, she started selling clothes and shoes to these customers and her business went well. Now she would like to expand and diversify her business, buying new seasonal products to sell them to her customers. Herminia tells us that when she is selling clothes or shoes to customers she also sells them jewelry to accompany their outfits. While Herminia is making her sales in offices, she leaves her eldest daughter in charge of the store. Her daughter knows how to run the store very well.

Herminia's dream is for her business to grow and become well known. She will use her loan money to buy jewelry and clothes in bulk. She is a very hard-working person and is grateful to the institution for the support they have given her.
View original language description ↓
La señora Herminia, tiene una tienda de joyas de plata y de fantasía, aparte realiza sus ventas mediante catálogos, sus clientes potenciales son empleados de bancos y oficinas publicas, con un pequeño capital ella ofreció ropa y zapatos a esas clientas y le fue muy bien, ahora ella quiere agrandar y diversificar el rubro de su negocio comprando novedades de temporada para darles a sus clientas a facilidades, ya que ella indica que al comprarle la ropa o zapatos, también acomoda las joyas que combinan con los atuendos que vende. Mientras ella realiza su actividad en las oficinas, la tienda se queda a cargo de su hija mayor quien conoce muy bien el manejo del mismo, el sueño de la señora es que su negocio crezca y sea reconocido con el dinero del crédito comprara productos en joyas y en ropa por cantidad, es una persona muy trabajadora agradecida con la institución con el apoyo brindado.

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.

About Bolivia

  • $5,500
    Average annual income
  • 127
    View loans »
    Bolivia Loans Fundraising
  • $36,246,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Herminia to buy jewelry and clothes.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 8, 2011
Apr 21, 2011
Currency Exchange Loss:
Sep 15, 2012