Confines Del Sur Group
Most of the members sell new and used clothing. Some sell groceries and vegetables in the markets, some tend to sales stalls, bookstores, barbershops.
Noemí is the president of the communal bank. In the photo, she is the only blonde in the first row. She sells underwear and young adult clothing door-to-door; she also makes souvenirs for events like graduations, baptisms and weddings.
Noemí will use the funds to buy clothing to sell. Her 7-year-old daughter, who is the motivating force in her life, lives with her. Her dream is to have an established store in her home so that she can reach a better quality of life. For Noemí, Fondo Esperanza has meant an opportunity and the tools to surge ahead.
Las socias del Banco comunal “Confines del Sur” son de la ciudad de Angol, ubicada a 2 horas hacia el sur de Temuco, en la Región de la Araucanía. Temuco 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, existentes en nuestro país.
Ellas se dedican principalmente a la venta de ropa nueva y usada, venta de provisiones y verduras en ferias, a atender bazares, librerías y peluquerías.
Noemí, es la presidenta de este BC. En la foto es la única mujer rubia de la 1º fila. Ella se dedica a la venta de ropa juvenil y ropa interior, puerta a puerta y confecciona recuerdos para eventos tales como graduaciones, bautizos y matrimonios.
Noemí invertirá este préstamo en ropa para vender. Con ella vive su hija menor de 7 años , la cual es su gran motivación para trabajar. Su sueño es tener un negocio establecido en su propia casa, para de esta manera alcanzar una mejor calidad de vida. Para Noemí Fondo Esperanza ha significado una oportunidad y herramientas para surgir.
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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