Camino Al Triunfo Group
Damaris is the member that was interviewed. She is the secretary of the group. In the photo she is in the fourth seat from left to right in the first row. She has a mini-market, which she inherited from her mother, in her house.
Damaris will use the loan to buy merchandise. She will put aside what she needs to make a shelter for her business. That way she will be prepared for the winter rains.
Her dream is to expand her business to be able to someday give it as an inheritance to her daughters. She has two daughters. One is in her fourth year of high school, and the older one helps with the business.
What Damaris likes the most about working with Fondo Esperanza is meeting more entrepreneurial people who are like her. That way she learns from her colleagues' experiences, and they can give each other advice. She also says that the education about managing money in business has helped her a lot.
Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago (capital of Chile). It has a series of marshy spas and very colorful vegetation and wildlife. It is worth stating that 50% of the mapuches, indigenous people, that exist in our country are living in this region.
La socia entrevistada fue Damaris, quien es la secretaria de este grupo. En la foto se encuentra en el 4º asiento de izquierda a derecha en la 1º fila. Ella tiene un minimercado en su misma casa y es una herencia de su mamá.
Damaris invertirá este préstamo en comprar mercadería y apartará lo que le falta para hacerle un cobertizo a su negocio, para de esta manera prepararse para la lluvia del invierno. Su sueño es ampliar su negocio y poder algún día entregarlo como herencia a sus hijas. Tiene 2 hijas, una estudiando en 4º año medio y la mayor que le ayuda en el negocio.
Lo que más le gusta a Damaris de trabajar con Fondo Esperanza es conocer a más personas emprendedoras igual que ella, ya que así aprende de las experiencias de sus compañeros y se pueden aconsejar mutuamente. Además comenta que le ha servido mucho la educación sobre el manejo del dinero en el negocio.
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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