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21 De Septiembre Group
In this Group: Paulina , Beatriz, Julia , Juan , Pablo , Cruza , Aydee, Paulina, Frddy Michael, Vilma Miriam
The “21st of September” communal bank has begun its 5th cycle of loans with Pro Mujer [Pro-Woman] through the Achacachi Center. The bank is composed of 10 members and is managed by a board of directors with Paulina as President. The businesses the members are involved in vary; among these are clothing sales, milk production, taxi driving, mechanical work, cheese making and the production and sale of potatoes and potato starch.

Their loan will benefit micro-enterprises including Paulina's. She reports that it has been 3 years since she joined Pro Woman, in response to an invitation by a promoter of the institution who came to her house to invite her. Now, she has a business selling clothing (petticoats, aprons, shawls). She says she has worked in this area for 20 years, producing good returns. That is why she now wishes to expand production of her merchandise.

The loan she wishes to take out is to implement the expansion of her business (buying cloth and a sewing machine), which she will purchase from the distribution houses. Then she will make products and sell them in local fairs in the city of El Alto and in surrounding rural communities. This form of work will allow her to generate resources that will help her family to the degree possible. Paulina lives in a common-law union and has 2 children.

When asked what she likes about Pro Woman, she responded that she likes the security.

In the photo accompanying the group, Cruza's daughter may be seen wearing a sky blue sweater.
View original language description ↓
La A.C. “21 DE SEPTIEMBRE” iniciará el quinto ciclo en Pro Mujer, como parte del Centro Focal de Achacachi, está compuesta por diez integrantes y está dirigida por una mesa directiva donde la señora Paulina es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: venta de ropa, producción de leche, chofer de taxi, mecánica, producción de queso, producción y venta de papa y chuño.

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Paulina es una integrante, ella indica que desde hace tres años que integra Pro Mujer, ingresando por invitación de una promotora de la institución que fue a su casa a invitarla. En la actualidad ella tiene un negocio de venta de ropa (enaguas, mandiles y mantas); cuenta que hace veinte años que trabaja en esta área dándole buenos réditos, es por eso que en la actualidad ampliará producirá su mercadería.

El crédito que ahora sacará es para incremento ampliación de negocio (compra de tela y máquina) mismo que comprará de las tiendas distribuidoras, posteriormente elaborará los productos y los comercializará en las ferias de la ciudad de El Alto y las comunidades rurales. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella vive en unión libre y tiene dos hijos.

Cuando se le consulta que le gusta de Pro Mujer, ella responde que le gusta el seguro.

En la fotografía acompaña al grupo la hija de Cruza, ella esta vestida de chompa celeste.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Bolivia

  • $5,500
    Average annual income
  • 125
    View loans »
    Bolivia Loans Fundraising
  • $36,239,775
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of 21 De Septiembre Group's $4,975 loan helped a member buy cloth and a sewing machine.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Aug 9, 2012
Currency Exchange Loss:
Apr 17, 2013