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Cariñositas Group
In this Group: Lenny, Sandra Elizabeth, Sonia Lola, Elizabeth, Jau Estela, Pastora, Leide Laura, Elena, Carmen, Natali Sirley, Claudia
Lending institution: Cariñositas is in its first loan cycle, maD. up of 11 people. Its President is Mrs. Elizabeth J. M., its treasurer is Sandra E. P. J. and its secretary is Elena Y. Malale. The group participates in a variety of economic endeavors, such as sales of cosmetics, food, groceries, and clothing. These are the activities for which they need working capital. They are working with Emprender because, with the loans they receive they increase their earnings. The women enjoy getting together to share with their friends and neighbors every two weeks.

Mrs. Elizabeth J. is the group's President, and this is her first cycle with this responsibility. She has been selling groceries for three years. She works 7 days a week, 12 hours a day. Her work requires a little extra capital, and her goal is to increase that capital to be able to stock her store up better and invest in buying more staple goods.

Mrs. Sandra Elizabeth P. J. is the group's Treasurer and works in a clinic. She has been working there for three years. Her goal is to continue with her work, and obtain a larger loan to be able to invest in her own business, which will consist of purhcasing cell phones and have her own business in a popular public market.

Mrs. Elena Y. Malale is the group's Secretary, and has her own phone center, which she has been doign for three years. Her job consists mainly of attending to costumers who go to make calls at her center. Her goal is to be able to open up another of these centers to increase her income.

View original language description ↓
Banco D. Emprendimiento: CARIÑOSITAS se encuentra en su 1° ciclo, compuesto por 11 personas,como presidenta tenemos a la señora Elizabeth J. M. y tesorera Sandra E.P. J. y D. secretaria, Elena Y. Malale, el grupo se dedica a diferentes actividades como ser a la venta D. cosmeticos ,comida ,abarrote y venta D. ropa son actividades que necesitan capital D. trabajo. Sras:estan conformes D. trabajar con Emprender porque con el credito otorgado lograran incrementar sus ganancias.Las Sras. les gusta compartir con sus amigas vecinas cada quincena.
La Sra Elizabeth J. es Presidenta del grupo, es su primer ciclo D. antiguedad; ella se dedica a la venta D. abarrotes tieniendo 3 años D. antiguedad en el negocio. AtienD. 7 dias a la semana y 12 horas al dia ,su trabajo requiere D. un incremento D. capital , su meta es incrementar su capital D. trabajo para surtir mas su tienda y invertir en la compra D. mas productos D. primera necesidad. La Sra.Sandra Elizabeth P. J. ella es la tesorera del grupo ella es empleada D. una clinica, tiene 3 años D. experiencia en el rubro. Su meta es el D. seguir con emprender y al mismo tiempo sacar un credito mas granD. y poder invertir en un negocio propio que consiste en la compra D. celulares y tener su propia tienda algun mercado popular.
La Sra.Elena Y. Malale ella es la secretaria del grupo,ella tiene su punto D. llamadas lleva 3 años trabajando. Su trabajo es mayormente es atender a la gente que va por su punto D. llamadas, su meta es D. poder abrir otro punto D. llamadas para incrementar sus ingresos.

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
  • 127
    View loans »
    Bolivia Loans Fundraising
  • $36,246,475
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Cariñositas Group's $2,425 loan helped a member stocking up their businesses.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Mar 10, 2009
Mar 21, 2009
Currency Exchange Loss:
Jul 15, 2009