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Las Joyitas Group
In this Group: Mary Cruz, Patricia, Justina Rita, Rita , Maria Eugenia, Cristina Ana, Silvia, Beatriz, Narcisa, Nery Roxana
Las Joyitas Communal Bank is made up of 10 members, all women.

The president of the bank is Silvia, 37. She's married and has three school-age children. She earns a living selling construction materials such as parquet for floors. She has a store located in the 16 de Julio area.

This is Silvia's first loan sequence with the institution. She's going to use it to buy construction material to stock her store. She's requesting this loan to continue improving in her job. Silvia's going to use the profits to buy tiles and parquet to continue stocking her business.

Silvia's a very hardworking person. She's happy about the opportunity of being granted the loan because this is her only activity that allows her to support herself.
View original language description ↓
El Banco de emprendimiento LAS JOYITAS está compuesto por diez integrantes, todas mujeres, El presidenta del banco es la Sra. Silvia tiene 37 años, casada tiene tres hijos que se encuentran en edad escolar, ella se dedica a la venta de material de construcción como parquet para piso, ella tiene su tienda que se encuentra en la zona 16 de Julio, este préstamo es su primera secuencia dentro de la institución, la Sra. Silvia va a utilizar este préstamo para la compra de material de construcción ya que esto le permitirá surtir su tienda, su razón para solicitar este préstamo es seguir mejorando en su trabajo, la Sra. Silvia va a utilizar los beneficios en comprar diferentes lozas y parquet para seguir surtiendo su negocio, la Sra. Silvia es una persona muy trabajadora se siente feliz por la oportunidad brindada en la otorgación del crédito ya que esta es su única actividad que le permite mantenerse.

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 Las Joyitas Group's $5,200 loan helped a member to buy construction materials wholesale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 27, 2013
May 16, 2013
Currency Exchange Loss:
Nov 18, 2013