Sandra and her husband, Elio, have been married for many years. They live in the city of Santa Cruz’s Oeste zone. They have an anticrético (a transaction not available in the U.S. whereby a property owner requests a "loan" from you in exchange for housing, which must be paid back to you at the end of your contract. If your loan is not repaid, the property owner loses the property to you) and have been living there for over three years. The family is composed of her two children, one in secondary school and the other who is a minor.
Sandra is a client with good credit history. She manufactures straw mattresses in two sizes that she sells at the La Ramada market. She sells on average 20 mattresses weekly. Her husband also manufactures mattresses.
The loan is to buy building materials and supplies to expand her storage shed and be able to produce more mattresses to have in stock and so that her merchandise will be safe from changes in the weather (rain, sun, wind storms, etc.)
La Señora Sandra y su esposo el señor Elio llevan muchos años de casados, ellos viven en la zona de Oeste, de la Ciudad de Santa Cruz, cuenta con anticrético donde vive mas 3 años, la familia la componen con sus dos hijos, uno que estudia colegio y el otro es menor de edad. La Señora Sandra es una cliente con buenos antecedentes crediticios, Se dedica a la producción de Colchones de paja de 2 plazas y 1 1/2 plaza. Lo comercializa en el Mercado la Ramada, ella entrega en un promedio por semana de 20 colchones. Su marido también trabaja en la producción de colchones. El financiamiento es para compra de material de construcción para ampliar su Tinglado (almacén) y poder producir mas colchones y tener stock y que su mercadería se encuentre protegida de los cambios climaticos (Lluvia, Sol, Ventarrones, etc.).
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.