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Ruben Javier

Update on Ruben Javier

Rubén continues with his activity of being a training coordinator. His office is located in the central area of the city. He says that all went well with his previous loan, which he used for the infrastructure of his training rooms.

This time, Rubén is requesting a loan to buy the furniture that is needed in the classrooms.
View original language description ↓
El Sr. Rubén sigue con la actividad de Coordinador - capacitador su oficina se encuentra en la zona central, cuenta que le fue bien con el anterior credito, que lo utilizo en infraestructura de ambientes de capacitación, Rubén en esta ocacion solicita el credito para la compra de muebles que faltan para las aulas.

Previous Loan Details

Ruben is 39; he is single and does not have children. His occupation is training coordinator, and his office can be found in central La Paz. This is his first loan cycle with the institution. Ruben will use this loan to buy partitions to divide rooms into classrooms for different activities. His ... More from Ruben Javier's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Bolivia

  • $5,500
    Average annual income
  • 128
    View loans »
    Bolivia Loans Fundraising
  • $36,246,475
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Ruben Javier to buy the needed furniture for the classrooms.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Jan 1, 2013
Currency Exchange Loss:
Dec 21, 2013
This photo was used before for a previous loan for Ruben Javier. It was first posted on Kiva on Mar, 2012. Learn More