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Marina Luz
Marina is 53 years old. She makes a living selling perfume, cologne, and cosmetics from a catalog as a beauty products promoter. She is a traveling saleswoman, visiting public and private institutions, neighborhoods and homes to offer her products.

This loan will be her second with the institution. Marina will use this loan to buy wholesale perfume and cologne, which are on special offer, so that she will have them in stock for her business. Her reason for applying for this loan is to have a variety of products to satisfy her clients.

The challenge which Marina confronts in her business is serving her clients efficiently. She will use the earnings to improve her family's quality of life, because this is the only source of income which allows her to maintain herself and succeed alone.
View original language description ↓
La Sra. Marina tiene 53 años, casada se dedica a la venta de perfumes y colonias y cosméticos por catalogo, es promotora de productos de belleza ella vende de manera ambulante visitando instituciones públicas y privadas, barrios distintos domicilios ofreciendo sus productos, este préstamo es su primera secuencia dentro de la institución, La Sra. Marina va a usar este préstamo para comprar perfumes y colonia por mayor que se encuentran en promoción para tener en stock para su negocio, su razón para solicitar este préstamo es tener variedad de productos para satisfacer a sus clientes, La Sra. Marina enfrenta retos en su negocio que son atender con eficiencia a sus clientes y va a utilizar los beneficios para mejorar su calidad de vida de su familia ya que esta es la única actividad que le permite mantenerse y salir adelante sola.

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
  • 138
    View loans »
    Bolivia Loans Fundraising
  • $36,346,700
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Marina Luz to buy wholesale perfume, cologne, and other cosmetics.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Jan 12, 2013
Currency Exchange Loss:
Mar 21, 2014