Luchando Por Un Sueño Group
Gricel appears in the back row of the photo, on the right. She is standing up. Her hair is tied back and she is wearing a blue top. Her business is selling construction tools. She has been in this business for two years and she makes her sales in a street market. She works on Tuesdays and Saturdays, from 6.00am to 3.00pm. The second week of each month (when people are paid) and the end of each month are the times when she sells most merchandise. Her brother helps her to transport her merchandise between the market and her house. She used to work selling second-hand clothes but that business didn't make good enough profits.
Gricel buys her merchandise from a tool distributor's which means that her investment is low cost. Her father accompanies her when she goes to buy her merchandise since he knows more about tools.
Gricel will use this loan to buy tools, trowels, gloves, etc. Her goals are to grow and stabilize her business, and to sell higher-priced products such as construction machinery. Her plan is to set up a hardware store.
Gricel lives together with her husband and her 5 year-old daughter as guests in her parents' home. Her dream on a personal level is to finish her secondary education as she only finished elementary school. She would also like to study cooking. Her motivation is to get ahead so that she can provide her family with a more comfortable life.
Gricel is very happy and grateful for the help and loan that she is receiving from Fondo Esperanza. She is also grateful for the training that she has received in accountancy and sales since she has been able to use this knowledge to organize her business.
Peñalolén is located to the east of the Metropolitana region. It has a number of attractions such as vineyards, historical buildings and nature reserves. They are transforming the place into a new tourist area within the Metropolitana region.
Gricel quien en la foto aparece al fondo del lado derecho del grupo, se encuentra de pie, su cabello está tomado y viste una polera azul. Ella se dedica a la venta de herramientas de construcción, desde hace 2 años en una feria libre. Su horario laboral son los días martes y sábados de 6ºº a 15ºº horas. Las quincenas y fines de mes son las fechas en las que más mercadería vende. Su hermano es quien la ayuda en el traslado de mercadería a la feria y a su casa. Antes se dedicaba a la venta de ropa de segunda mano, sin embargo éste negocio no le generaba buenas ganancias.
Gricel compra su mercadería en una distribuidora de herramientas, por lo cual su inversión es a bajo costo. Su padre es quien la acompaña a comprar, ya que conoce más de herramientas.
Con el préstamo comprará herramientas, específicamente; espátulas, flexibles, lianas, guantes y otros.
Sus metas en su negocio son crecer y estabilizarse. Para vender cosas de mayor valor, como maquinarias de construcción. Sus proyecciones son instalarse con una ferretería.
Gricel vive junto a su esposo e hija de 5 años, en condición de allegados en la casa de sus padres.
Sus sueños a nivel personal son terminar sus estudios medios, ya que sólo terminó la educación básica, además sus anhelos son estudiar gastronomía. Sus motivaciones son surgir, para brindarle a su familia un vida más confortable.
Gricel está muy contenta y agradecida de la ayuda y préstamo que recibe de Fondo Esperanza. Además de los aprendizajes de contabilidad y ventas, ya que ha podido internalizarlos en su propio negocio para organizarse.
Peñalolén se localiza al oriente de la región metropolitana. Cuenta con diversos atractivos tales como viñas, edificios considerados patrimonio histórico y sitios naturales de excursión, elementos que están transformando a esta comuna en un nuevo panorama turístico dentro de la región Metropolitana.
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