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Valeria is a longstanding client of the institution and has shown good willingness to pay and kind and courteous behavior during the evaluation that was done on her.

She sells comforter and blankets on Saturdays and Sundays in the heavily populated 16 de Julio zone of El Alto, Bolivia. She starts work around 5pm. She delivers her products on credit to party centers that are common in this area and collects payment the next day for completed sales.

From Monday through Friday she works sewing comforters for a private micro firm; she’s been doing this for about 5 years. Because of this, Valeria has the necessary experience to start this new activity. Her spouse is employed at a cured meats firm so he contributes to family income.

The loan money will be used to buy fabric because Valeria wants to make comforters to sell. The efforts they put into having better living conditions is constant. The family’s greatest wish is to have a stable patrimony so that their children can have professional careers. They struggle daily to attain this end.
View original language description ↓
La señora Valeria es una clienta antigua de la institución y ha mostrando buena voluntad de pago y un trato amable y Cortez en la evaluación que se le hizo, La clienta realiza la venta de edredones y frazadas los días sábados y domingos en la populosa zona de la 16 de julio de el alto-Bolivia. Empieza su labor al rededor de las 17:00 entregando estos productos a crédito a los locales de fiestas que por esta zona abundan y al siguiente día recoge el pago de estas ventas realizadas, de lunes a viernes ella trabaja como costurera de edredones para una microempresa privada al rededor de 5 años, por lo cual la señora Valeria cuenta con la experiencia para emprender esta nueva actividad, el conyugue es empleado en una empresa de embutidos por lo cual aporta al ingreso familiar. el dinero del credito es para la compra de tela ya que la Señora Valeria desea confeccionar edredones para poder vender, Es sacrificado el esfuerzo que ellos realizan para tener mejores condiciones de vida, el mayor sueño de la familia es llegar a tener un patrimonio estable y que sus hijos lleguen a tener una carrera profesional, por lo que se esfuerzan en lograrlo día a día.

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
  • 121
    View loans »
    Bolivia Loans Fundraising
  • $34,651,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Valeria to buy fabric and fleece to make comforters.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 28, 2011
May 7, 2011
Currency Exchange Loss:
Dec 17, 2014