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Carmen Denny
Carmen sells clothes. She is married to Darío, and they currently live in their own house in the Cotoca neighborhood. Carmen buys and sells Brazilian clothes. She has been developing this business activity for over a year. She delivers all of her products for credit for a maximum of one month.

She has a second business activity as a source of income; she is an elementary school teacher. Her husband works as an administrative assistant for a company in the city of Santa Cruz.

Carmen will use the loan to buy construction material to finish building her house. This will make her family more comfortable. She is grateful to the institution for the opportunity given to her and for the prompt way they took care of it.
View original language description ↓
La señora Carmen vende ropa esta casada con el señor Darío, actualmente se encuentran viviendo por la urbanización Cotoca en casa propia. La Sra. Carmen se dedica a la compra y venta de ropa Brasilera, esta actividad la viene desarrollando desde hace más de un año, ella entrega todo su producto a crédito a un plazo máximo de un mes. La solicitante cuenta con una segunda actividad como fuente de ingreso que el de profesora normalista. Su cónyuge trabaja como auxiliar administrativo en una empresa de la ciudad de Santa Cruz, con el dinero del crédito la Sra. Carmen comprara material de construccion para terminar de construir su casa y asi brindar mayor comodidad a su familia, La solicitante agradeció a la institución por la oportunidad brindada y por la rapidez con la que se lo atendió.

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 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.

About Bolivia

  • $5,500
    Average annual income
  • 109
    View loans »
    Bolivia Loans Fundraising
  • $36,698,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Carmen Denny to finish building her house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 30, 2011
Jan 20, 2012
Currency Exchange Loss:
Feb 15, 2013