Avanzando Contigo Group
The member interviewed was Esperanza, who is the president of this group. In the photograph she is found in the first row, crouching, with shoulder-length hair. She has a deli (where she sells perishable and non-perishable food) in her house. With the loan she wants to expand her business, since her dream is eventually have a mini-market where she can sell a large variety of products, including not only food but also office supplies. To achieve this she wants to start gradually incorporating new products into her business. For example, her next goal is to buy a photocopier.
In addition, she has other personal goals such as completing her last year of high school, which she is doing this year in the evenings, so that later on she can begin to study for an advanced degree. Her main dream is to be a source of work for others like her who want to succeed. Her greatest motivation is her family: her 2 daughters, aged 11 and 2, and her husband who supports her in everything.
Esperanza feels that the Fondo Esperanza supports her personal development and economic stability, and she is very grateful for the easy terms at which she has been able to access credit.
Temuco is the capital of the Araucanía region. The city is located 670 kilometers to the south of Santiago (the capital of Chile), and has number of lake resorts and colorful vegetation and wildlife. It is worth highlighting that this region is where 50 percent of Chile's Mapuches (indigenous people) live.
La socia entrevistada fue Esperanza, quien es la presidenta de este grupo. En la foto se encuentra en 1º fila, agachada, tiene el pelo hasta los hombros. Ella tiene una rotisería (donde se venden alimentos perecibles y no perecibles) en su casa. Con el crédito quiere ampliar su negocio, ya que su sueño es tener un minimarket, que cuente con una gran variedad de productos, no solo alimentos, sino que también artículos de librería. Para lograrlo quiere ir incorporando de a poco productos nuevos, por ejemplo su próxima meta es comprar una fotocopiadora.
Además tiene otras metas personales como sacar su 4º año de educación media, lo cual está realizando este año en jornada vespertina, para así más adelante estudiar una carrera. Su mayor sueño es ser fuente de trabajo para otras personas como ella, con ganas de superarse. Su gran motivación es su familia, sus dos hijas, de 11 y 2 años y su esposo que la apoya en todo.
Esperanza siente que Fondo Esperanza significa un pilar muy importante para su desarrollo personal y estabilidad económica y está muy agradecida de la facilidad con la cual ha obtenido sus créditos.
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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