Nueva Vida Group
Claudia, who in the photo is in the 1st row, sitting 4th place from left to right, has sold children's and adult clothing and pieces of crockery for the home for 5 years, in 3 different markets in her town. She works every Friday, Saturday and Sunday at the market and at her home on the other days. In addition for the last month she has sold prepared salads at a grocery store. This business was offered to her by a member in the group, as she did not have the time herself to sell at this store.
With this loan she will buy spring-summer clothing, crockery and greens to continue selling salads. Her dream is to have a bazaar with various products and a service where people of the neighborhood can pay billls. She has 2 children who are 3 and 2, who are looked after by her mother or a trusted neighbor, when Claudia is working.
Claudia has found it very pleasant to work with Fondo Esperanza, as she has been able to socialize with her fellow members during the meetings, as well as learning business concepts.
Curicó is located in the Maule region, a central area of the country. Curicó's climate is like the Mediterranean and is considered one of the most pleasant in the country. It is characterized as well by its culture around wine and its surrounding area has a magically natural beauty. Despite the work effort increasing, this region continues to be, according to the latest census, one of the poorest in the country.
Claudia, quien en la foto se encuentra en 1º fila, sentada en 4º lugar de izquierda a derecha, vende ropa de niño y adulto y artículos de loza para el hogar, hace 5 años, en 3 diferentes ferias de su comuna. Trabaja todos los viernes, sábados y domingos en la feria y en su casa o a domicilio los otros días. Además hace 1 mes que vende ensaladas preparadas en un almacén. Este negocio se lo ofreció una compañera de grupo, ya que ella misma no tenía el tiempo de vender en ese almacén.
Con este préstamo comprará ropa de primavera- verano, loza y verduras para seguir con la venta de ensaladas. Su sueño es tener un bazar con variados productos y un servicio en el que las personas del barrio puedan pagar cuentas. Tiene 2 hijos de 3 y 2 años, quienes quedan al cuidado de su mamá o una vecina de confianza, cuando Claudia está trabajando.
A Claudia le ha sido muy grato trabajar con Fondo Esperanza, ya que ha podido sociabilizar con sus compañeros durante las reuniones, además de aprender conceptos de negocios.
Curicó se ubica en la región del Maule, zona centro del país. El clima de Curicó es de tipo mediterráneo y es considerado como uno de los más agradables del país. Se caracteriza además por su cultura en torno al vino y sus alrededores de una belleza mágicamente natural. A pesar que la fuerza de trabajo se ha incrementado, esta región sigue siendo, según el último censo, una de las más pobres del 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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Success!! The loan was 100% repaid