Nueva Vida Group
Marianela is the president of this communal bank. In the photo, she is in the 2nd row, dressed in a sky-blue blouse, with her arms open. Her business is buying and selling charcoal, which she sells out of her home. She has 2 adolescent children. Marianela will invest this loan in buying charcoal as well as pineapples to sell, and in remodeling the roof of her storage room, so that her products do not get wet. Her dream is to have a permanent store in her home. Her great motivation is to provide her children with economic stability and a good education, so that they will not lack the necessities in the future.
One of the things Marianela enjoys very much about working with the Fondo Esperanza (Hope Fund) are the entrepreneurial training workshops provided by the Fund.
Temuco is the capital of the Araucanía Region. The city lies 670 kilometers south of Santiago (Chile's capital) and has a number of lakeside beaches and very striking native flora and fauna. Another noteworthy fact about the area is that 50% of Chile's Mapuche people, an indigenous group, live there.
Marianela es la presidenta de este BC. En la foto ella está en 2º fila, vistiendo blusa celeste y con los brazos abiertos. Ella se dedica a la compra y venta de carbón, el cual vende en su casa. Tiene 2 hijos adolescentes. Marianela invertirá este préstamo en carbón y en piñas para vender, además de remodelar el techo de su bodega, para que no se mojen sus productos. Su sueño es tener un almacén establecido en su casa. Su gran motivación es brindarle estabilidad económica y estudios a sus hijos, para que tengan un futuro sin necesidades.
Una de las cosas que le gusta mucho a Marianela de trabajar con Fondo Esperanza son los talleres de formación emprendedora que FE les entrega.
Temuco es la capital de la Región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile) y posee una serie de balnearios lacustres y una flora y fauna nativa muy llamativa. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.
About Fondo EsperanzaFondo Esperanza (FE) is a private non-profit organization that supports entrepreneurship by providing micro-credit and training to people living in poverty in well over 100 cities throughout Chile. By providing these services, FE aims to improve the living conditions of the entrepreneurs and their families. In 2010, FE provided loans to more than 41,000 entrepreneurs. It utilizes a communal banking model in which groups of 18 to 25 clients meet on regularly and guarantee each other’s loans. The members use their portion of the loan to create or expand their own businesses. In the group meetings, clients receive training though the FE Entrepreneurship School, which enhances clients’ personal and business skills and ability to work in groups.
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.
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