El Arca De La Fe Group
Ivon is the communal bank member who is fifth from the left in the second row. She wears her hair long and has on a black jacket.
She has been in commerce for three years. She buys scrap metal in the field then sells it to a metallurgical business. Her daily load of metal sold is 1,500 kilos. She notes that her business is going well and that she works with her husband.
With his loan she will repair her truck, which is her means of transporting the scrap metal. She has already had to go two months with working because her vehicle is in bad condition.
Her goals are to expand her business and to buy another vehicle to make this happen since she also wants to begin selling food and beverages.
Ivon lives with her husband and her 5 year-old son. Her personal dream is to own her own home. For this to happen she will have to make a proposal to the housing subsidy.
She is very happy with and thankful for the services Fondo Esperanza offers, as the financing allowed her to begin her business and to reinvest in it.
Ivon is very comfortable with the communal bank group she belongs to since they are available to work together and each and every one of the entrepreneurs is dedicated to his or her business.
Chillán is a town in the central region of Chile. It's name means "sun chair" in Mapundungun, the language of our native people, the Mapuches.
Chillán is known as the "cradle of the country" or the "land of the artists" because important figures in Chilean history, such as the well-known pianist Claudio Arrau, were born here.
Ivon integrante del Banco comunal quien en L. foto se encuentra en L. segunda fiL., en el quinto lugar D. derecha a izquierda, su cabello lo usa largo y usa una chaqueta color negro.
ElL. se dedica al comercio ambulante desD. hace 3 años, compra fierros en el campo y posteriormente los venD. en una empresa metalúrgica. L. carga diaria D. venta D. fierro es D. 1.500 kilos, comenta que le va muy bien y que trabaja junto a su marido.
Con el crédito arreglará su camioneta que es el medio D. transporte para el traslado D. fierros. Ya que estuvo 2 meses sin poder trabajar debido al mal estado en que se encontraba su vehículo.
Sus metas son expandir su negocio y comprar otro vehículo para concretar éste proyecto, ya que también quiere agregar venta D. bebestibles y comestibles.
Ivon vive junto a su marido e hijo D. 5 años D. edad. Sus sueños a nivel personal son obtener su casa propia, para esto debe postular al subsidio habitacional.
ElL. está muy contenta y agradecida D. los servicios brindados por Fondo Esperanza, ya que comenta que el crédito le permitió comenzar en su negocio y volver a invertir.
Ivon se siente muy cómoda con el grupo del Banco comunal al cual pertenece, ya que tienen disponibilidad D. trabajar en equipo y están comprometidos cada uno D. los emprendedores con sus negocios.
Chillán es una comuna D. L. zona centro sur D. Chile. Su nombre significa “silL. del sol” en mapudungun, idioma D. nuestros indígenas mapuches. Chillán es conocida como “Cuna D. L. Patria” o “Tierra D. Artistas”, debido a que en L. ciudad han nacido destacados personajes D. L. historia D. Chile, como por ejemplo el conocido pianista Claudio Arrau.
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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