Luchando Por Nuestros Sueños Group
You can see Alexis, the group's president, in the center of the photo, in the back row, wearing a white shirt. His business is making and selling 'alfajores' (traditional small cakes) , 'cuchuflíes' (filled sponge fingers) and chocolates. He has been in this business for one year. He works at home and sells his products in stores and also to individuals.
Alexis will use this loan to buy materials for making his products, both ingredients and little sticks and wrappings for the chocolates. He has a 12 year-old daughter. His dream is to have an established premises and to sell his products wholesale.
Fondo Esperanza's loans have been very useful for Alexis, especially when his sales have been very low. He is also very happy to share with his fellow group members.
Chimbarongo is a town located in Libertador General Bernardo O'Higgins region, 150km to the south of Santiago (the capital of Chile). Its name, in Mapudungan (the Mapuche language) means "place between the clouds". Chimbarongo's economy is based mainly on the production of wicker handicrafts, growing fruit and wine production.
Alexis, quien es el presidente de este grupo, en la foto se ubica en la última fila, por el centro y viste camisa blanca. Él se dedica a la elaboración y venta de alfajores, cuchuflies y chocolates, desde hace 1 año. Trabaja en su casa y vende sus productos en almacenes y a particulares.
Con este préstamo comprará materiales para hacer sus productos, tanto los ingredientes, como los palitos y envoltorios para los chocolates.
Tiene una hijita de 12 años. Su sueño es tener un local establecido y vender por mayor.
A Alexis le han servido mucho los préstamos de Fondo Esperanza, especialmente cuando sus ventas han sido más bajas. También está muy contento de compartir con sus compañeros de grupo.
Chimbarongo es una comuna ubicada en la región del Libertador General Bernardo O´Higgins, 150 km. al sur de Santiago (capital de Chile). Su nombre en mapudungun (lengua mapuche) significa "lugar entre nieblas". La economía de Chimbarongo está basada principalmente en la elaboración de artesanías en mimbre, en el cultivo de frutales y la producción de vino.
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