Los Sueños Group
Sandra is one of the members of the group. She is in the third row, on the left, in the photo, just behind her daughter (22 years old) who is wearing a black coat. Sandra comes from a family of merchants. Her daughter and her mother are also members of Los Suenos. Sandra has a kiosk in her house and she will use most of the loan to buy charge cards for cell phones and cigars. Her goal is to create a business selling "colaciones" (a local snack). Her dream is to establish a family micro-business, possibly a store with her sister, something that would help them get ahead and enjoy a better quality of life.
Sandra very much likes working with Fondo Esperanza because it provides loans at very low interest rates. Temuco is the capital of the region of Araucania. The city is located 670 kilometers south of Santiago (the capital of Chile) near a chain of beautiful lakes. The region boasts a unique environment of plants and animals. Another interesting fact is that 50% of the population of the region is Mapuche, the indigenous people of Chile.
Sandra es una de las socias de este banco comunal, en la foto se encuentra a la izquierda, en 3º fila, esta detrás de su hija (22 años) que viste polerón negro. Sandra viene de una familia comerciante, su hija y su madre también son socias de “Los sueños”. Sandra tiene un kiosco establecido en su casa, y el préstamo lo ocupará para comprar principalmente tarjetas de recarga para celulares, y cigarros. Su meta es incluir a su negocio la venta de colaciones y su gran sueño es tener una microempresa familiar, podría ser de colectivos y un almacén para su hermana, para de esta manera ayudarlos a surgir y obtener una mejor calidad de vida.
A Sandra le motiva mucho trabajar con Fondo Esperanza ya que tiene muy bajos intereses.
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 llamativas. 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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