Los Mosqueteros Group
María Angélica is the president of this group. In the photo she is on the far left in the back row. Her business is selling household linen such as, for example: drapes, sheets, bedspreads, quilts, tablecloths, etc. She sells her goods door to door and to order. She has been in this business for 3 years.
Thanks to this loan and some savings she has, María Angélica will set up a new business this month in addition to the one she already has. She will start selling fresh and frozen fruit and vegetables from her home.
María Angélica's dream is to own a store where she can sell household items in the city center. Her motivation comes from her 3 children: her 20 year-old daughter who is studying speech and language pathology at university, her 16 year-old son, who will help her with her vegetable sales and her 10 year-old daughter.
For María Angélica, Fondo Esperanza has been a great support, not only economically but also through their training sessions which teach members how to run their businesses.
Viña del Mar is a city and municipality on the central Chilean coast. It is known as 'The Garden City' owing to the gardens and courtyards that some of the old houses in the city have. It is also considered the tourist capital of Chile.
María Angélica es la presidenta de este grupo, en la foto se encuentra en la última fila, en 1º lugar de izquierda a derecha. Su negocio consiste en la venta de ropa de casa, como por ejemplo: cortinas, sábanas, cobertores, plumones, manteles, etc., a domicilio y por encargos, desde hace 3 años.
Con este préstamo, y gracias a sus ahorros, este mes comenzará un nuevo negocio, además del que ya tiene. Se iniciará con la venta de frutas y verduras, naturales y congeladas en su casa.
Su sueño es tener una tienda de artículos para el hogar, establecida en el centro de la ciudad. Su motivación son sus 3 hijos: su hija de 20 años, quien estudia fonoaudiología en la universidad; su hijo de 16, quien le ayudará con la venta de verduras y su pequeña de 10 años.
Para María Angélica, Fondo Esperanza ha sido un gran apoyo, no solo económico, sino también en la capacitación para administrar bien su negocio.
Viña del Mar es una ciudad y comuna ubicada en el litoral central de Chile, conocida como la Ciudad Jardín debido a los jardines y patios que poseen algunas viviendas antiguas de la ciudad. También es considerada la capital turística de Chile.
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