Sueños De Cajón Group
The member who was interviewed was Cecilia, who is the group president. In the photograph, she is the woman sitting in the second chair on the left side. Her business involves selling clothing for adults, door to door and at schools. Since her sales have plummeted, she now makes chocolates to sell. She is motivated by her desire for personal development so that one day she can be self-reliant in her businesses. Her loan will be used to buy supplies for making chocolates.
Cecilia enjoys the system of work groups (Communal Banks) that is implemented by Fondo Esperanza. She has benefitted from hearing about the experiences of her fellow group members and also appreciates that the process for securing a loan has been convenient for her.
Temuco is the capital of the Araucanía region and is located 670 km to the south of Santiago (the capital of Chile). The area has several lake resorts and picturesque views of native flora and fauna. Half of the population in this region is of Mapuche descent, an indigenous group that lives in Chile.
La socia entrevistada fue Cecilia, quien es la presidenta de este grupo. En la foto se encuentra sentada en la segunda silla de izquierda a derecha. Su negocio consiste en vender ropa de adultos, puerta a puerta y en colegios. Además, debido a que han bajado mucho las ventas, ahora también hace chocolates para vender. Su motivación es lograr su propio desarrollo personal y algún día ser autodependientes en sus negocios.
El préstamo lo invertirá en comprar materiales para hacer chocolates.
A Cecilia le gusta el sistema de trabajo grupal (bancos comunales) que entrega Fondo Esperanza, ya que le ha servido mucho escuchar las experiencias de sus compañeros y también aprecia mucho que la entrega de los préstamos sea sin inconvenientes para ella.
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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