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4 De Marzo Group
In this Group: Ana Maria, Guadalupe, Julia Rox Mery, Ruth Selvy , Mirian, Gabriela, Nataly, Gabriela
The 4 de Marzo communal bank is comprised of eight members, all women. Ruth, age 42, is the president of the bank. Ruth is married and has two children, ages 19 and 21. The children attend the university.

She sells food every day at her stand, which is at her house. She prepares and sells her customers a variety of dishes. This business activity is the main source of income for her and her family. She carries out her business activity together with her daughters. When they do not have classes they help her prepare and tend to the customers.

The loan is to buy wholesale ingredients (potatoes, rice, noodles, and others) in order to manage to have a full pantry. Ruth is a very hard-working person. She has been selling food for years. She is very grateful to the institution for the help given to her.
View original language description ↓
El Banco de emprendimiento 4 DE MARZO Está compuesto por ocho integrantes todas mujeres la presidenta del banco es la Sra. Ruth tiene 42 años casada con dos hijos de las edades de 19 y 21 años que se encuentran estudiando en la universidad, ella se dedica a la venta de comida, actividad que realiza todos los días en su puesto de venta que se encuentra en su mismo domicilio preparando y ofreciendo a su clientela platos variados, La mencionada actividad es su principal fuente de ingreso para ella y su familia la misma que desarrolla conjuntamente con su hijas quienes le ayudan a preparar y atender a sus clientes cuando no tienen clases, el destino del crédito es para la compra por mayor de insumos (papa, arroz, fideo y otros) para lograr tener una despensa llena, la Sra. Ruth es una persona muy trabajadora lleva años en esta actividad de la venta de comida está muy agradecida con la institución por el apoyo brindado.

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.

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
  • $34,692,600
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of 4 De Marzo Group's $3,400 loan helped a member to buy wholesale ingredients (potatoes, rice, noodles, and others).
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jul 3, 2012
Aug 12, 2012
Currency Exchange Loss:
Mar 15, 2013