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Julio is even-tempered and hardworking according to references from his neighbors. He attended high school but was unable to continue with higher education due to economic problems. He had to go to work very young and today has more than 20 years’ experience working. He’s married.

He mentions that his wife works in agriculture in Argentina and with much sacrifice sends a monthly stipend home to help cover debts they have in another institution hoping someday to return and once again be reunited with her family once they’ve managed to repay the large amount of money they owe. Because of that loan, they own a lot located in San Jerónimo that Julio hopes one day to build a house on to live with his family.

With the loan he may be granted, he plans to service the car he bought with so much sacrifice that he hopes to continue earning income with thus improving his quality of life and to reach his dreams alongside his family because with the loan it will be easier to move forward towards the dream he wants to reach while at the same time having the satisfaction of having accomplished what he wanted to.
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El Sr. Julio es tranquilo y trabajador según referencias de su vecinos, curso hasta el bachillerato no pudiendo así seguir con los estudios superiores por problemas económicos , viéndose de esa forma desde muy joven a trabajar es así que hoy lleva más de 20 años trabajando es casado. El cliente nos cuenta además que actualmente su esposa trabaja en el área de agricultura en Argentina la cual con mucho sacrificio manda una remesa cada mes con el fin de cubrir las deudas que ellos tienen con otra entidad y de esa forma algún día volver y estar reunida con su familia una vez que hayan pagado gran cantidad de dinero la deuda que deben, es así que hoy en día gracias a ese crédito cuentan con un lote Ubicado en San Jerónimo, la misma que Don Julio aspira algún día construirla y vivir junto con su familia. Con el crédito que se le otorgue el piensa refaccionar su vehículo que con mucho sacrificio pudo comprarlo, con el cual espera seguir generando ingresos y de esa forma mejorar su nivel de vida, y concretar sus sueños a lado de su familia ya que con crédito le será más fácil avanzar en el sueño que quiere lograr, además de sentirse más satisfecho de haber logrado lo que quiso.

Additional Information


CIDRE is a Bolivian microfinance institution with a strong social commitment to the community. It works to provide quality financial services to rural and peri-urban borrowers, focusing primarily on agricultural loans for dairy farmers and micro-enterprises. CIDRE targets segments of the population that have not traditionally had access to credit, and invests in much-needed community development projects. It is currently working with coca farmers in the Chapare region to replace coca with less controversial crops. Get more involved by joining the Friends of CIDRE lending team.

About Bolivia

  • $5,500
    Average annual income
  • 134
    View loans »
    Bolivia Loans Fundraising
  • $36,669,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,100 helped Julio to repair his taxi.
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 16, 2012
Sep 10, 2012
Currency Exchange Loss:
Oct 10, 2012