Daysi works as a cashier in a private company. She needs this loan to increase the 'anticrético' payment for the house that she rents, as the owner of the house has increased the amount of the 'anticrético' ('anticrético' is a system whereby the owner of a house allows another person to live in it for a pre-determined period of time, for a sum of money which is paid in advance and then returned to the tenant at the end of the term established in the contract). Daysi lives in a house which she rents 'en anticrético'. It is located in Alto San Pedro district, in the city of La Paz. She is single and doesn't have any children. This is the second time that she has had a loan through Kiva.
Daysi trabaja como cajera en una empresa privada. El crédito lo requiere para el aumento de un anticrético en la casa donde vive, pues el dueño de casa le ha subido el monto del anticrético (Anticrético es una figura legal por la cual el dueño de casa permite a otra persona vivir en la casa por un plazo determinado y por un monto total pagadero por adelantado y que será devuelto al cabo del plazo establecido en el contrato). Vive en anticrético en una casa ubicada en la zona de Alto San Pedro de la ciudad de La Paz; es soltera y no tiene hijos. Esta es la segunda vez que su crédito se canaliza a través de Kiva.
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.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.