Los Emprendedores Group
Paola is in the back of the photo, on the left. She has bangs that are pushed to the side and is wearing pearl earrings. She has been working as a cosmetologist for the past six years. She does manicures, pedicures, makeup, hair removal, haircuts and as well as other services. Her customers call her for her services and she performs them in the customer’s home. In order to obtain customers she uses different strategies. She buys advertising in the local paper and she speaks with women who are attending prenuptial classes at the local church. Her work hours are dependent on her customer requests.
She buys the items she needs from a laboratory and from a distributor that sells beauty products. She prefers to use products that are well known and of good quality. With this loan she will buy cosmological products. Her business goals are to expand her business and provide innovative products and services. She would like to buy a beauty parlor chair for her house, buy the most up to date depilatory products, and provide acrylic nails and hair extensions. With these skills she can improve her business in every area.
Paola lives with her sister and her two children, ages nine and seven. One of her dreams is to have her own house. She needs to wait a bit to achieve this goal. She thinks it will take about two years.
Paola is very happy and grateful for the support of “Fondo Esperanza” (The Hope Fund). She appreciates the values of the institution as they help entrepreneurs reach their full potential. She has a lot of respect for the group at the Community Bank. The members are committed, responsible and innovative with their businesses.
Puente Alto is a community located in the north of Santiago, the capital of Chile. It was originally a small rural community, founded at the end of the nineteenth century. It has been growing since then. It now has one of the largest populations in Chile, over 600,000 inhabitants. It is the entryway to the Andes from the metropolitan region. It is also known as “Cajón de Maipo”, an area with trails, cable cars and rafting, among other activities. There are many hotels and restaurants.
Paola quien en la foto se encuentra al fondo del grupo, de izquierda a derecha, usa una chasquilla hacia el lado y aros de perla. Ella se dedica a la cosmetología desde hace 6 años, los servicios que realiza son pedicura, manicure, maquillaje, depilación, peinados, entre otros. Sus clientes solicitan sus servicios y ella va directamente a sus domicilios. Para captar clientes ocupa diversas estrategias, entre ellas avisos en el periódico y promociona sus servicios conversando con novias que tienen charlas prenupciales en la parroquia. Su horario de atención es relativo, ya que depende de su clientela.
Sus insumos los compra en un laboratorio y en una distribuidora que vende productos capilares, prefiere utilizar marcas reconocidas y de buena calidad. Con el credito comprará productos cosmetológicos. Sus metas en su negocio son expandir e innovar con nuevos productos y servicios, entre estos comprar una camilla que pueda llevar a domicilio, tratamientos de depilación con la última tecnología, incorporar además servicios de postura de uñas acrílicas y extensiones para el cabello. Junto con esto perfeccionarse en cada área.
Paola vive junto a su hermana y sus dos hijos de 9 y 7 años de edad, uno de sus sueños es obtener su casa propia, para esto solo le queda esperar el llamado, ya que postuló hace 2 años aproximadamente.
Paola se encuentra muy contenta y agradecida del apoyo brindado por Fondo Esperanza, principalmente por el planteamiento de los valores de la institución, ya que potencian en todo sentido a los emprendedores. Respecto al grupo del banco comunal, comenta que las socias son comprometidas, responsables e innovadoras con sus respectivos negocios.
Puente Alto es una comuna ubicada al norte de Santiago, capital de Chile. Fue fundada como un pequeño pueblo rural a fines del siglo XIX, pero dado su crecimiento demográfico es actualmente una de las comunas con mayor población de Chile, superando los 600 mil habitantes. Es la puerta de entrada a uno de los sectores precordilleranos de la región Metropolitana, conocido como el Cajón del Maipo, sector con espacios de caminatas, cabalgatas, rafting, entre otras actividades y servicios de alojamiento y alimentación.
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