Blanca Estrella Group
Paola is a delegate of this communal bank. In the photo, she is in the front row, bent over with a bouquet of maravillas (flowers) in her hand; she is wearing a black shirt. She has been a florist for 17 years. She buys flowers in Talca and Santiago and makes floral arrangements to sell in a downtown street because she doesn’t have a fixed locale; she is negotiating permits. She will use the funds to buy red and blue roses, cellophane and rice paper, ribbon and self-adhesives.
Her dream is to have a flower stand on a Talca corner. She is motivated by her two children, 13 and 8 years of age, who depend solely on her.
For Paola, Fondo Esperanza has meant a great opportunity to continue with her work and support her family.
Talca is in the Maule region located in the central part of the country. Most of the area’s population lives in rural surroundings and are engaged in commercial activities related to farming.
It is characterized by its beautiful crafts and colonial architecture. Its main attractions are its flora, its fauna and its vineyards. Although employment has increased, this region continues to be, according to the latest census, one of the country’s poorest.
Paola es delegada de este banco comunal, en la foto se encuentra en 1º fila, agachada, con un ramo de maravillas (flores) en su mano y viste polera negra. Ella es florista hace 17 años, compra flores en Talca y en Santiago y hace arreglos para vender en una calle del centro de la ciudad, ya que no tiene un local establecido y está gestionando sus permisos. Invertirá este préstamo en rosas rojas y azules, papel celofán, papel de arroz, cinta y autoadhesivos.
Su sueño es tener un kiosco de flores en una esquina del centro de Talca. Su gran motivación son sus 2 hijos de 13 y 8 años los cuales dependen solo de ella.
Para Paola Fondo Esperanza ha significado una gran oportunidad para continuar con su negocio y de esta manera mantener a su familia
Talca pertenece a la región del Maule, ubicada en la zona centro del país. La mayor parte de la población habita en el sector rural, la cual se dedica principalmente a las actividades económicas propias del C.. Se caracteriza por su hermosa artesanía y arquitectura colonial. Sus principales atracciones son la flora, la fauna, y sus viñedos. A pesar que la fuerza de trabajo se ha incrementado, esta región sigue siendo, según el último censo, una de las más pobres del 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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