Ventana Al Futuro Group
The member interviewed was Marisol, the president of this group. In the picture she is in the first row, fourth from the left. She is wearing gray jeans and a printed shirt. She sells clothes for women in particular, and by request, for men and children. She sells clothes from her house to neighbors and other contacts. She travels frequently to Santiago to buy merchandise. Marisol will invest this loan in fall-winter clothing.
Her dream is to have a store in the city's downtown. Her motivations are her sons of 22, 20 and 14, for whose studies she pays. For Marisol, Fondo Esperanza has been very important in her business, because she did not have any problems getting the loans. In addition, the entrepenurial education she has received has been very useful for her in regards to managing her money.
Temuco is the capital of the Araucania region. The city is located at 670 kilometers south of Santiago (Chile's Capital) and has a number of lake beaches and very atractive native flora and fauna. It's worth mentioning that in this region live 50% of the Mapuche indigenous people of the country. Even though this area was damaged by the recent earthquake that affected Chile, this community bank did not suffer major damage because of it.
La socia entrevistada fue Marisol, quien es la presidenta de este grupo. En la foto se encuentra en 1º fila, ocupa el 4º lugar de izquierda a derecha y viste jeans gris y polera estampada. Ella se dedica a la venta de ropa principalmente de mujer y por encargos vende ropa de hombre y de niño, en su casa, a vecinos y otros contactos. Viaja frecuentemente a Santiago a comprar su mercadería. Marisol invertirá este préstamo en ropa de otoño-invierno.
Su sueño es tener una tienda en el centro de la ciudad. Su motivación son sus 3 hijos de 22, 20 y 14 años, a los cuales paga los estudios. Para Marisol, Fondo Esperanza ha sido muy importante en su negocio, ya que no tuvo ningún impedimento para la obtención de préstamos. Además le ha sido muy útil la educación emprendedora que ha recibido, con respecto a la administración de su dinero.
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. Si bien esta zona fue dañada por el reciente terremoto que afectó a Chile, este Banco Comunal no sufrió graves efectos por el mismo.
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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Success!! The loan was 100% repaid