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Monica Celia
Señora Mónica is 24 and has a baby. She makes a living by making and selling "payasas" (straw mattresses). She learned how to do this from her mother and sister, who have done this work for several years. They do their work in the same location, which is located in Kalajahuira. This loan is her first with the institution. She will use it to buy straw and jute wholesale to decrease her costs. Her reason for requesting this loan is the lack of cash to buy this material that she needs for her wrok. She is a client of the Kalajahuira group, which is very good and makes its payments on time. She was offered this credit because she is very responsible and punctual with her payments. Mónica faces challenges with her business. In the area where she lives, many people sell these mattresses. Since she is a small producer, she doesn't have a lot of capital for her business. She will use these benefits to keep buying materials like straw and jute wholesale. Her dream is to improve her income to be able to obtain her own goods like furniture. She also wants her own shop since she currently uses her sister's.
View original language description ↓
La Sra. Mónica tiene 24 años tiene un bebe, ella se dedica a la fabricación y venta de payasas (colchones de paja) este oficio lo aprendió de su madre y su hermana que se dedican a esta actividad hace ya varios años, ellas realizan su trabajo en su mismo domicilio que se encuentran ubicado en la zona de Kalajahuira, este préstamo es su primera secuencia dentro de la institución, la Sra. Mónica va a usar este préstamo para la compra de paja y yute al por mayor para disminuir sus costos, su razón para solicitar este préstamo la falta de efectivo para la compra de este material necesario para realizar su trabajo, la señora es cliente del grupo Kalajahuira el cual es muy bueno y paga puntualmente, se le otorgo este crédito debido a que ella es muy responsable y puntual con sus pagos, la Sra. Mónica enfrenta retos en su negocio que son que en la zona en la que vive, muchos clientes se dedican a a la venta de colchones, y ella es pequeña productora, no cuenta con mucho capital para su negocio y va a utilizar los beneficios en seguir comprando material como paja y yute al por mayor, su deseo es el de mejorar sus ingresos para poder conseguir sus propios bienes como muebles enseres y también su propio taller ya que actualmente utiliza el de su hermana.

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.

About Bolivia

  • $5,500
    Average annual income
  • 124
    View loans »
    Bolivia Loans Fundraising
  • $36,721,100
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Monica Celia to invest in the purchase of straw and jute wholesale to decrease her costs.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 14, 2012
Currency Exchange Loss:
Feb 17, 2014