El Mirador Group
Mirsa has had her business for 2 years. Three times a week she travels to Puerto Montt (a town located one hour from Calbuco) to buy her merchandise. On these days she gets up at 4.00am. Mirsa works alone in her business but when she has a lot of orders she hires up to 2 other people to help her. She will use her loan to buy fish and seafood.
Mirsa lives with her husband, who works outside the city; her youngest daughter, who is studying computer engineering; and her grandson (that daughter's son). Mirsa's dream is to own an established fish and seafood store. She is very grateful for the loans that she receives from Fondo Esperanza since they have been a great help in her business. She also enjoys the friendship that she has found in her group.
Calbuco municipality is located in the south of Chile, in Los Lagos region. The name 'Calbuco' comes from Mapudungun (Mapuche language) and it means 'blue waters'. It is an archipelago made up of 12 islands. The local economy is mainly based around extracting products from the sea. There are currently a number of canning factories and salmon, oyster and mussel farms.
Mirsa, quien en la foto se encuentra en la 3º fila a la derecha y viste polerón blanco, vende pescados, mariscos y verduras en su casa. Sus ventas son por mayor y sus clientes frecuentes son vendedores de ferias y restaurantes. También vende al detalle en su casa. Mirsa tiene este negocio hace 2 años.
Ella viaja 3 veces a la semana a Puerto Montt (ciudad ubicada a 1 hora de Calbuco) a comprar su mercadería. Los días que sale se levanta a las 4 de la mañana.
Mirsa trabaja sola en este negocio, pero cuando tiene muchos pedidos contrata hasta 2 personas para que le ayuden.
Con este préstamo comprará pescados y mariscos.
Vive con su esposo, quien trabaja fuera de la ciudad, con su hija menor, quien estudia ingeniería informática y con su nieto, hijo de esta hija.
El sueño de Mirsa es tener un local establecido de pescados y mariscos.
Ella está muy agradecida de los préstamos que recibe por medio de Fondo Esperanza, ya que han sido un gran aporte para su negocio. Además disfruta mucho del compañerismo dentro de su grupo.
Calbuco, es una comuna ubicada al sur de Chile, en la región de Los Lagos. Su origen etimológico es del mapudungun (lengua mapuche) y significa "aguas azules". Es un archipiélago conformado por 12 islas. Su economía está basada fundamentalmente en la extracción de los productos del mar. En la actualidad existen numerosas fábricas de conservas, centros de cultivos de salmones, ostras, choros etc.
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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