Los Poetas Group
Macarena, shown with dark hair, a beige jacket, and jewelry in the photograph and who is standing in the middle of the first row, sells groceries, drinks, and milk products in a small store. She’s been working in this line of business for six months and does it from a rented location. She tells us that things have gone well since she began her business.
She will use the money from this loan to buy merchandise to stock her store. Her goals are to continue with her business so that she can increase her income and invest in her own dreams.
Macarena lives with her grandparents and uncle. She hopes to get her own home, so she applied to the housing authority.
She is very happy and grateful about the loan granted through Fondo Esperanza. She is an active participant in the meetings and is president of the communal bank to which she belongs. She has a good relationship with the other members of the group and supports them in their activities.
Temuco is the capitol of the Araucanía region, and the city is located 670 km south of Santiago (capitol of Chile). It is surrounded by lake spas (Pucón, Villarrica) and some very attractive flora and fauna in the nearby parks. 50% of the Mapuche indigenous people, native to the country, live in this region.
Macarena quien en la foto se encuentra de pie en la priM. fila, en el lugar del medio, viste una chaqueta color beige, su cabello es oscuro y usa chasquilla. Se dedica a vender abarrotes, bebidas y lácteos en un almacén. Trabaja en éste rubro desde hace 6 meses y su negocio está ubicado en un local que arrienda. Comenta que le ha ido muy bien desde que inició su negocio.
Con el crédito comprará mercadería para surtir su negocio. Sus metas son surgir en su negocio, que le pueda brindar mayores ganancias para seguir invirtiendo y concretar sus sueños personales.
Macarena vive junto a sus abuelos y un tío. Sus sueños son obtener su casa propia, para esto postuló al subsidio habitacional.
Ella está muy contenta y agradecida del crédito otorgado por Fondo Esperanza. Participa activamente de las reuniones, ya que es presidenta del banco comunal al cual pertenece, tiene una muy buena relación con las demás socias del grupo, incluso las apoya a participar de las actividades realizadas.
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