Rayen Mapu Group
María appears in the center of the group wearing a green cardigan with her hair tied back. Her business is selling drinks, beer, cigarettes, chocolates and food. She sells all these products door to door in a rural sector of the city of Temuco since there aren't any businesses in the countryside. María transports her merchandise in a truck.
María buys her merchandise in wholesale supermarkets every two weeks. She has been in this business for two years. She will use her loan to buy drinks and beer, and bundles of used clothes since she also sells clothes in the countryside. Her goals for her business are to continue investing in merchandise so that she can supply these rural sectors with products since her customers don't have an established store where they can buy goods.
María lives with her husband and her three children aged 15, 10 and 2.
María is very happy and grateful for the support that Fondo Esperanza have offered her since her loans have allowed her to invest in her business. She also likes the meetings that she attends since she has learned how to organize her business incomings and outgoings and she enjoys the pleasant company of the other members of her bank.
Temuco is the capital of Araurcanía region. The city is located 670km south of Santiago (the capital of Chile). In the surrounding areas there are a series of lakeside spas (Pucón, Villarica) and very striking native flora and fauna in nearby nature reserves. 50% of the country's population of mapuches (indigenous people) live in this region.
María quien en la foto aparece en el centro del grupo, vistiendo un chaleco color verde y su cabello tomado. Se dedica a la venta de bebidas, cervezas, cigarrillos, confites y alimentos, todos estos productos los vende puerta a puerta en un sector rural de la ciudad de Temuco, puesto que en el campo no hay negocios, para esto María traslada su mercadería en una camioneta.
Su mercadería la compra en supermercados mayoristas cada 15 días. María se dedica a éste rubro desde hace 2 años.
Con el préstamo comprará bebidas, cervezas y fardos de ropa usada, ya que también aprovecha de vender ropa en el campo.
Sus metas en su negocio son seguir invirtiendo en mercadería para abastecer a éstos sectores rurales de productos, ya que sus clientes no cuentan con un local establecido para comprar.
María vive junto a su esposo y sus tres hijos de 15, 10 y 2 años de edad.
Ella está muy contenta y agradecida del apoyo brindado por Fondo Esperanza, ya que el crédito le ha permitido invertir en su negocio. Además disfruta de las reuniones a las que asiste, ya que ha aprendido a organizar sus gastos e ingresos de su negocio y la grata compañía de las demás socias del banco comunal.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.
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