María is the president of the communal bank, and in the photo she is in the first row, with the other members pointing at her. She is in a sky-blue flowered blouse with black pants and carries a brown purse. She also has blond hair.
For the past 10 years, she has worked selling cleaning products and work tools at the open-air market. She works there every Saturday morning. She also offers her products to her neighbors and acquaintances. She buys most of her merchandise from cleaning product distributors, and she buys the tools from auction houses; in addition, some vendors come to her house to offer their merchandise.
With the loan, María will buy cleaning products as well as fleece blankets decorated with various designs to sell at the market.
Her goals for her business are to have an established store where she can display and sell her cleaning products, and also to begin selling perfumes. Her dreams on a personal level are to achieve her business goals so that she can obtain higher profits and have a more comfortable life with less sacrifice. María lives together with her husband and hopes someday to travel within the country as a vacation.
María is happy and grateful for the support provided to her by the Fondo Esperanza ["Hope Fund"], since she enjoys the meetings, training sessions and payment arrangements for the loans. With regard to the training, she has been able to apply the accounting principles she has learned to her own business.
San Antonio is well-known as a port in the Valparaíso region on Chile's central coast. It is an important center for fishing and the sale of fish and shellfish. In spite of the activity and commerce of the port, there is a high unemployment rate.
María es la presidenta del banco comunal y en la foto se encuentra en la primera fila señalada por las demás socias, ella viste una blusa floreada color celeste, pantalón negro y usa una cartera color café. Además su cabello es de color rubio.
Ella se dedica a vender artículos de aseo y herramientas de trabajo, en la feria desde hace 10 años. Su horario laboral son todos los días sábados en la mañana. Además, ofrece sus productos a sus vecinos y conocidos. Su mercadería la compra principalmente en distribuidoras de artículos de aseo y las herramientas las compra en casas de remate, además le van a ofrecer mercadería a su propio domicilio.
Con el préstamo María comprará artículos de aseo y mantas de polar con diferentes estampados, para vender en la feria.
Sus metas en su negocio, son tener un local establecido donde pueda ofrecer y vender sus artículos de aseo, además de incorporar artículos de perfumería.
Sus sueños a nivel personal son concretar las metas de su negocio, de ésta manera obtendría mayores ganancias y una vida más confortable y menos sacrificada. María vive junto a su esposo y anhelan algún día viajar dentro del país para descansar.
María está contenta y agradecida del apoyo que le ha brindado Fondo Esperanza, ya que disfruta de las reuniones, capacitaciones y facilidades de pago del crédito. Respecto a las capacitaciones, ella ha podido integrar los aprendizajes de contabilidad a su propio negocio.
San Antonio es un puerto de la región de Valparaíso, siendo esta una de sus principales características, ubicado en el litoral central de Chile. Se desarrolla en forma importante la pesca y venta de pescados y mariscos. Pese a la actividad portuaria y comercial del puerto, existe un alto índice de cesantía.
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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