Vecinos Y Amigos Group
Gabriela is communal bank President. In the photo she’s in the middle of the group and is wearing a white blouse and black vest; the other group members are pointing at her. She has been selling used clothes and toys in the market for the last two years. She works every weekend in the market and sporadically cares for two senior citizens in a private home. She buys her merchandise in various places, whichever is the most economically convenient. She intends to use this loan to buy a bundle of clothes (a large package of used clothes).
Her goal for her business is to get a large awning to use as protection during the winter because of the rain and in summer because of the intense heat because currently Gabriela arranges her wares on a piece of cloth in the street.
She lives with her 26-year-old daughter who helps her on weekends with the clothing sales. Her personal dreams are to become economically independent and to get a locale of her own to work in.
Gabriela is very grateful for the loan granted by Fondo Esperanza because it will make it possible for her to invest in her business. Besides, she feels very comfortable in the group of entrepreneurs because they are neighbors and known to her. Because of this, the meetings are very pleasant and they support each other quite a bit. With respect to the workshops conducted, Gabriela has learned how to better distribute income earned from her business.
Valparaíso is located 120 kilometers northeast of Santiago. It is the regional capital and also the legislative seat of the country. It is the country’s main port and offers a large variety of beautiful, picturesque places like, for example, Nobel Prize winning poet Pablo Neruda’s house.
Gabriela es la presidenta del banco comunal y en la foto se encuentra al medio del grupo, viste una blusa blanca y un chaleco negro, los demás integrantes la señalan. Ella se dedica a la venta de ropa usada y juguetes en la feria desde hace 2 años. Gabriela trabaja todos los fines de semana en la feria y esporádicamente cuida a dos ancianos en una casa particular. Su mercadería la compra en diferentes lugares, los cuales sean convenientes económicamente.
Con éste préstamo pretende comprar un fardo de ropa (paquete grande de ropa usada).
Sus metas en su negocio son obtener un toldo grande, para utilizarlo como protección en la temporada de invierno, debido a la lluvia y en la temporada de verano, debido al intenso calor. Ya que actualmente Gabriela acomoda su mercadería encima de un paño en la calle.
Ella vive junto a su hija de 26 años, quién la apoya los fines de semana en la venta de ropa. Sus sueños a nivel personal son poder independizarse económicamente, obtener y trabajar en un local que sea suyo.
Gabriela está muy agradecida del crédito otorgado por Fondo esperanza, ya que éste le permitirá invertir en su negocio, además se siente muy cómoda con el grupo de emprendedores, ya que son vecinos y conocidos. Por lo que las reuniones son muy amenas y se apoyan bastante. Respecto a los talleres realizados, Gabriela ha aprendido a como distribuir mejor los ingresos de su negocio.
Valparaíso está situado a 120 kilómetros al noroeste de Santiago. Es la capital regional y además sede del poder legislativo del país. Es el primer puerto de la nación y ofrece gran variedad de lugares hermosos y pintorescos, como por ejemplo la casa del poeta Pablo Neruda, ganador del Premio Nobel.
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