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Vicente is 31 years old. He is married with a young child and lives in Punata.
He lives in a house on the farm that Vicente inherited from his parents. He dedicated himself 10 years ago to the cultivation of potatoes, a task he learned from his family.
After the harvest he sells it in Tiraque.
He is asking for a loan to be able to purchase fertilizer and hire labor for the preparation of the land.
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Translated from Spanish by Kiva volunteer Torge Fröhlich. View original language description.
Vicente tiene 31 años, está casado con Beatriz, juntos son padres de un pequeño niño. Ellos viven en Punata, más conocida como la perla del valle al sur del departamento de Cochabamba. Ellos viven en una vivienda dentro de su terreno agrícola, que Vicente heredo de sus padres. Él se dedica hace 10 años al cultivo de la papa, labor que aprendió de sus antepasados. Después de la cosecha se dedica a comercializar su producción en la feria de Tiraque, al por mayor y menor, el precio según la temporada. Él solicita este préstamo para poder adquirir abono para la preparacion de la siembra, además poder contratar mano de obra para la preparación de la tierra.
Sembrar Sartawi is in the process of being acquired by another microfinance institution in Bolivia and pending to get approval by the regulator. For this reason, payments to Kiva will be delayed until this process is completed. We expect payments to resume once the acquisition is finalized and a new amortization schedule is negotiated with the new entity.
Sembrar Sartawi is a microfinance institution based in Bolivia that provides financial services and educational support to agricultural communities. Kiva supports Sartawi?s work in rural communities in Bolivia and their commitment to social equality and environmental sustainability.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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