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Sin Fronteras Group
In this Group: Mario, Margarita, Deisy Carolina, Ariel Fidel, Paulino, Veronica, Gaby, Sofia
Sin Fronteras (Without Borders) communal bank is made up of eight members, five women and three men. The chair of the bank is Deisy. Deisy, 28, has two children, ages 4 and 10. She works selling lunch at her stand in Santa Rita. This is her first loan from the institution. Deisy will use the loan to buy wholesale ingredients, such as groceries and vegetables to make her dishes. Her reason for asking for this loan is the lack of money to buy ingredients. Deisy confronts challenges in her business, such as the climate conditions and the competition of other businesses. This is why she has to try to reduce her costs and improve the seasoning of her dishes. She is going to use the profits to buy utensils and also to attract more customers during peak lunch hours. Deisy is a very hard-working person. She is glad for this opportunity given through the credit.
View original language description ↓

El Banco de emprendimiento SIN FRONTERAS , Está compuesto por ocho integrantes cinco mujeres y tres varones, la presidenta del banco es la Sra. Deisy tiene 28 años, tiene dos hijos de las edades de 4 y 10 años, ella se dedica a la venta de comida almuerzo en su puesto de venta que se encuentra en la localidad de Santa Rita este préstamo es su primera secuencia dentro de la institución, la Sra. Deisy va a usar este préstamo para compra de insumos por mayor, como abarrotes y hortalizas para la elaboración de sus platillos, su razón para solicitar este préstamo la falta de efectivo para la compra de insumos, la Sra. Deisy enfrenta retos en su negocio que son las condiciones climáticas y también la competencia de los demás negocios de comida por lo mismo que tiene que tratar de reducir sus costos y mejorar la sazón de sus platillos, y va a utilizar los beneficios en la compra de utensilios y también en la ampliación de la misma para poder captar más clientes en las horas pico de almuerzo, la Sra. Deisy es una persona muy trabajadora se siente feliz por esta oportunidad brindada en la otorgación del crédito.

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.

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
  • 123
    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 portion of Sin Fronteras Group's $3,125 loan helped a member to buy ingredients wholesale to prepare food.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 19, 2013
Currency Exchange Loss:
Sep 17, 2013