Trabajando Para El Futuro Group

Thank you for your loan. It has been disbursed to the Trabajando Para el Futuro group, consisting of Ines Calcano, Clara Fermin, Emerenciana Calcano De Jesus, Santa Calcana, Licet Nunez, Bertha Javier, Cirilo Calcano, Antonia Bautizta, Marcela De Jesús, Eladia Suarez, Rosa Jiménez, Mardanisia Calcano, Anjela Altagracia, Aniberca Jerónimo, Teresa Calcano, Santa Calcano, Esperanza De Jesús, Rosa De Jesús, Yoselin Javier, Isabel De Jesús Miguel by Esperanza International, a partner of HOPE International in Dominican Republic. We are excited to watch this business grow. Over the next 6 months, Esperanza International, a partner of HOPE International will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.

Ines is in her fourth year with Esperanza and has established herself as a very reliable member, because she is present at all meetings and always pays back the loans on time. She uses her loans to buy beauty products such as: shampoos, conditioner, creams, and makeup. Her niece owns a beauty shop where they partner together to sell her products. She has been satisfied with the steady flow of increased income, but still she yearns for more.

Her niece also yearns to become free from relying on her aunt for beauty products. Ines told me she believes that in the near future her niece will become independent and will no longer need the services of Ines. Ines has accepted this and has begun the process of developing a new successful business. She is unsure what the final product will be, but she definitely wants to return for Esperanza for another loan.

After finishing this loan, the group was somewhat modified (some members left and others entered) and the group took back a loan

Teresa is a member of the group and has been working as a hairdresser for 15 years. She first heard about Esperanza through a local association called Women in Action.

With the money they lent you could buy an armchair and hairdressing products. Also, with previous loans he could buy a power generator and thus not suffer from power outages which are common in this area. Now, her goal is to own her hairdressing salon.

She enjoys working with Esperanza, especially for the bi-monthly repayment meetings. As she lives far from the nearest town (Samana), she is happy to save time and money each time she pays her installments (loan officers travel to the local communities for repayment meetings)

She also says that the responsibility that comes with loans encourage her to work harder.

Now that her business has expanded and her incomes have improved, she is thinking about taking loan with a bank because she can get a larger amount of credit.

If you want to keep supporting groups like “Trabajando para el future”, please consider making another loan to an entrepreneur of Esperanza: http://partners.kiva.org/app.php?page=businesses&partner_id=44&status=fundRaising&sortBy=New+to+Old

You can also check out and join Esperanza’s lending team : http://partners.kiva.org/team/team_esperanza_dr_and_hati

Después de terminar este préstamo, el grupo se modificó un poco (unos socios salieron y otros entraron) y el grupo volvió a coger un préstamo

Teresa es una socia del grupo y tiene una peluquería desde hace 15 años. Llegó a conocer a Esperanza a través de una asociación local llamada “mujeres en acción”.

Con el dinero que le prestaron pudo comprar una silla de salón y productos peluqueros. También, con préstamos anteriores pudo comprar una planta de electricidad y así no sufrir de los cortes de luz muy frecuentes en esta área. Sus metas ahora son de poder comprar su propio local (no es propietaria del salón)

Le gusta trabajar con Esperanza, sobre todo por las reuniones quincenales. Como vive lejos de la más cercana ciudad de Samana, le conviene no tener que gastarse un pasaje cada vez para pagar sus cuotas.

También dice que la responsabilidad que tiene con este préstamo la anima a trabajar mas.

Ahora que su negocio se amplió y que sus ingresos se mejoraron, le interesa tomar préstamo con una institución bancaria porque puede conseguir un mayor monto de crédito.

Si quieren seguir sosteniendo grupos como trabajando para el futuro, pueden hacer otro préstamo a socios de Esperanza haciendo click aquí

http://partners.kiva.org/app.php?page=businesses&partner_id=44&status=fundRaising&sortBy=New+to+Old

Pueden también apuntarse al grupo de prestatarios a la institución Esperanza : http://partners.kiva.org/team/team_esperanza_dr_and_hati