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Esmeraldas Group
In this Group: Jovana Mery , Susana Teresa , Ingrid Abigail, Maribel , Corina , Dilza , Edwin Freddy, Sofia
The Esmeraldas Communal Bank is starting its second cycle with Pro Mujer as part of the regional hub of Collpani. It is made up of eight members and it is governed by a board of directors, of which Jovana is president. The communal bank members' businesses differ and include sand cleaning, electrical work, food sales, chicken sales, CD sales, garment sewing, and running a corner store.

The loan they are taking out will benefit small businesswomen, one of whom is Jovana. She tells us that she has been with Pro Mujer for three cycles after joining on the invitation of a friend who is a member of the institution. She currently has a business cleaning and selling sand. She learned this business from her parents, as it was a family business, and after having her son she decided to start her own business.

The loan she is currently taking out is to increase her capital to buy tools that she will get from the stores in the city of El Alto and later sell upon request to her customers. This way of working allows her to generate the income to support her household as best she can as she is single and has a son.

When asked what she likes about Pro Mujer, she tells us that she likes the health clinics.
View original language description ↓
La A.C. “ESMERALDAS” iniciará el segundo ciclo en Pro Mujer, como parte del Centro Focal de Collpani, está compuesta por ocho integrantes y está dirigida por una mesa directiva donde la señora Jovana es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: lavado de arena, electricista, venta de comida, venta de pollo, venta de CD’s, costura de prendas, tienda de barrio

El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Jovana es integrante, ella indica que hace tres ciclos que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de lavado y venta de arena; este negocio lo aprendió de sus padres, ya que era un negocio familiar, posterior a tener su hijo decide hacer su negocio independiente.

El crédito que ahora sacará es para el aumento de capital (compra de herramientas) que adquirirá de las tiendas de la ciudad de El Alto y posteriormente lo comercializará a solicitud del cliente. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es soltera y tiene un hijo.

Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta los consultorios de salud.

Additional Information

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
  • 126
    View loans »
    Bolivia Loans Fundraising
  • $34,651,350
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Esmeraldas Group's $3,700 loan helped a member to buy tools.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 26, 2013
Oct 22, 2013
Currency Exchange Loss:
Mar 17, 2014