Iván’s single and has no children. He lives in a rented room in the city of La Paz’s San Antonio zone. He’s currently an employee in a private firm and has to pay rental, food, education and basic utility expenses with what he earns. Iván is majoring in communication. He needs the loan to pay for his final course in communication because he can’t afford to otherwise. Iván’s dream is to improve his income and to get a house in the ‘anticrético’ modality [transaction 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 could lose the property to you] in order to save rental costs. This is the second loan request to Impro and first to Kiva.
Iván, es soltero y no tiene hijos; vive en un cuarto alquilado, en la zona San Antonio de la ciudad de La Paz.
Actualmente trabaja como empleado en una empresa privada ya que con lo que gana debe cubrir los gastos de alquileres, alimentación, educación y pago de servicios básicos. Iván también estudia Comunicación.
El crédito lo requiere para el pago de diplomado de sus estudios en la carrera de comunicación ya que no le alcanza para poder pagarlo.
El sueño de Iván, es mejorar sus ingresos y adquirir una casa en anticrético para ahorrar en el pago de alquileres.
Es la segunda vez que solicita crédito junto a IMPRO y la primera vez con KIVA.
IMPRO is a small non-profit organization that has been offering micro credit to the working poor in the Bolivian cities of La Paz and El Alto since 1995. IMPRO’s goal is to fight poverty by offering loans to small business owners who cannot access credit through the regular banking system due to a lack of guarantees or collateral.
To ensure that everyone has access to credit, IMPRO maintains a low interest rate by minimizing operational costs. IMPRO’s partnership with Kiva, which began in 2007, has allowed IMPRO to expand its services while maintaining these low interest rates.