Isla Grande Group
Marcia is group treasurer. In the photo, she’s the first person in the second row, wearing a red sweater and black, sleeveless jacket.
She makes cream puffs that she learned how to make following recipes. She sells them on Sundays during her commune’s football games. She will use the funds to buy ingredients to make the cream puffs: flour, sugar, pastry cream, cream and cooking oil.
Her dream is to have a store, ideally in her home, to sell various kinds of sweets and pastries. She is motivated by her four children who are 18, 15, 12 and 6 years of age. She wants to save up in order to afford their higher education.
Fondo Esperanza’s courses have been very helpful to Marcia with respect to social and commercial relations. Through them, she has managed to increase her contacts which have been very useful for the business.
Castro is the capital of Chiloé Island (South America’s largest island). It’s in the Los L. region in the south of Chile. Its natural habitat is almost untouched by man. In addition it is rich in culture and traditions. One of its main attractions is the Palafitos (homes, constructed on wooden stilts along the shore over the water; they are world famous.)
Marcia es la tesorera de este grupo, en la foto se encuentra en 2º fila, en 1º lugar de izquierda a derecha y viste suéter rojo y chaqueta negra sin mangas.
Ella hace berlines de crema pastelera y de manjar, los cuales aprendió a hacer mediante recetas. Los vende solo los días domingo durante los partidos de fútbol de su comuna. Marcia invertirá este préstamo en materiales para los berlines: harina, azúcar, manjar, crema y aceite.
Su sueño es tener un negocio idealmente en su casa y vender diferentes tipos de dulces de repostería. Su motivación son sus 4 hijos, de 18, 15, 12 y 6 años. Quiere ahorrar para poder pagarles estudios superiores.
A Marcia le han servido mucho los talleres de Fondo Esperanza con respecto a relaciones sociales y comerciales, ya que de esta manera ha podido ampliar sus contactos, lo cual le sido muy útil para el negocio.
Castro es capital de la isla de Chiloé (la isla más grande de América del Sur), en la región de Los L., zona sur austral de Chile. Su paisaje natural se conserva casi en su totalidad sin intervención del hombre. Además posee una cultura de gran riqueza mítica y costumbrista. Uno de sus grandes atractivos son sus Palafitos, edificaciones (casas) construidas sobre pilotes de madera en la ribera, sobre el mar, siendo estos muy famosos en gran parte del mundo.
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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