Los Copihues De Malleco Group
Rodrigo is the man on the far right of the photo who is standing on a chair. He is wearing a coffee-colored jacket. His business is selling gold- and silver-plated jewelry. He buys his merchandise from a jewelry distributor in the city of Temuco who sells wholesale. This is financially convenient for Rodrigo. He has been in this field for five years and makes his sales door to door. He has quite a lot of customers and things are going very well. His goals for his business are to set himself up in some premises and start a jewelry store where he can sell his jewelry wholesale and retail.
Rodrigo lives with his wife and 5 year-old daughter who is in kindergarten. He says that his dream is to go on holiday with his family so that they can relax.
Fondo Esperanza have been a great source of support as Rodrigo did not have the capital he needed to invest in his business. The capital has helped him to make more income. For this reason, he is very grateful. The training sessions have been useful in helping him to record his incomings and outgoings. The community bank to which he belongs is very organized and united.
Temuco is the capital of Araucanía region. The city is located 670km to the south of Santiago (the capital of Chile). There are a series of lakeside resorts in the surrounding area (Pucón, Villarrica) and very striking native flora and fauna can be found in nearby nature reserves. 50% of the Mapuche (indigenous people) in our country live in this region.
Rodrigo, quien en la foto se encuentra de pie arriba de una silla, el primero de derecha a izquierda. Viste con una chaqueta color café. Se dedica a vender joyas bañadas en oro y plata, su mercadería la compra en una distribuidora de joyas en la ciudad de Temuco, en la cual venden al por mayor, lo que es conveniente económicamente para Rodrigo. Trabaja en éste rubro desde hace 5 años, sus ventas las realiza puerta a puerta y tiene bastante clientela, por lo que le va muy bien.
Sus metas en su negocio es establecerse en un local y tener una joyería en la cual pueda vender sus joyas por mayor y al detalle.
Rodrigo vive junto a su esposa e hija d 5 años de edad, quien asiste al jardín infantil. Comenta que sus sueños son salir a vacacionar con su familia para descansar.
Fondo esperanza ha sido un gran apoyo, ya que no contaba con el capital para invertir su negocio, el cual le ha servido para obtener mayores ingresos.
Por lo tanto se encuentra muy agradecido, respecto a las capacitaciones, éstas le han servido para registrar sus gastos e ingresos. El grupo del banco comunal al cual pertenece es muy organizado y unido.
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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