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Lluvia De Oro Group
In this Group: Juana, Silvina , Primitiva, Martha, Magali , Paulina , Roger , Janeth Rocio, Abelina , Silvia Eugenia , Sonia Gladys
The communal bank "Lluvia de Oro" (Rain of Gold) will begin its second loan cycle with Pro Mujer as part of the Los Andes regional center. It is composed of 11 members, and it is directed by a board of directors where Señora Juana is the president. The businesses that the members of the bank run are varied. Among them are selling cell phone accessories, selling food, selling fruit, selling gasoline, bookstore, selling sweets, selling pills, selling natural medicines, selling sports pants, selling perfume, selling juice.

The loan that they will take out will benefit these little microentrepreneurs, of whom Juana is one. She mentions that she joined Pro Mujer two loan cycles ago, joining at the invitation of her friend, who is a member of the institution. Now she has a business selling food. She states that she began this business years ago on her own initiative, since this business has very good sales.

The loan that she will take out now is to increase her capital, buying rice, noodles, etc, which she will acquire from the distributors, and after preparing her food, she will sell it in her sales space. This form of work allows her to generate resources to help her family as much as possible, since she is married and has four children.

When she is asked what she likes about Pro Mujer, she responds that she likes the training in health and credit.
View original language description ↓
La A.C. “LLUVIA DE ORO” iniciará el segundo ciclo en Pro Mujer, como parte del Centro Focal de Los Andes, está compuesta por once integrantes y está dirigida por una mesa directiva donde la señora Juana es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: venta de accesorios de celulares, venta de comida, venta de fruta, venta de gasolina, librería, venta de dulces, venta de pastillas, venta de medicamentos naturales, venta de busos, venta de perfumes, venta de jugos.

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Juana es integrante, ella indica que dos ciclos que integra Pro Mujer, ingresando por invitación de su amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de comida, da a conocer que este negocio lo emprendió hace años por iniciativa propia, ya que este negocio es muy comercial.

El crédito que ahora sacará es para el aumento de capital (compra de arroz, fideo, etc.) que adquirirá de las tiendas distribuidoras y posteriormente a la elaboración lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella es casada y tiene cuatro hijos.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones en salud y crédito.

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
  • 134
    View loans »
    Bolivia Loans Fundraising
  • $36,349,700
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Lluvia De Oro Group's $5,725 loan helped a member to buy rice, noodles, etc., to prepare food.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 26, 2012
Oct 8, 2012
Currency Exchange Loss:
Aug 17, 2013