El Quisco Group
Adela is the president of the community bank and in the picture she is sitting down in front of the group. She is wearing glasses, a white scarf, a black jacket and black trousers. She has been making and repairing clothes for 30 years. She works from home, where she has two sewing machines - one for straight stitches and an overlock one. She makes working clothes for fishermen, aprons and sleeves, as well as repairs on demand all year long. She buys her materials in the city of Santiago. Before she used to make ceviche and seafood soup, but her business was shut down because she didn't have purpose-built premises. In order to continue with the business she has to have spacious premises, even if that means occupying the kitchen in her home, to ensure high levels of hygiene.
With the loan she will buy pots, containers, bags and cans of lemon juice to prepare seafood dishes. Her goals are to expand her two businesses, the sewing business and in the future to have stable premises for her seafood selling business.
Adela lives with her husband, her two daughters aged 29 and 24 and two grandchildren. Her dream is to generate more income to provide her family with a better quality of life. She is very happy and grateful for the services received from Fondo Esperanza. She is also very pleased with Grupo Adela, because the meetings are fun and the group is committed, trustworthy and enthusiastic about the training. San Antonio is a port in the Valparaiso region, located in the central coast of Chile. The main industries are fishing and trading in fish and seafood. In spite of the commercial and shipping activity there is a high rate of unemployment at the port.
Adela presidenta del Banco comunal quien en la foto se encuentra delante del grupo, sentada en una silla y usa lentes, bufanda blanca, chaqueta negra y pantalones negros.
Se dedica a la confección y reparación de ropa, desde hace 30 años, trabaja desde su casa, ahí cuenta con dos máquinas de coser costura recta y una máquina overlock. Confecciona ropa de trabajo para pescadores, pecheras y mangas, además de reparaciones de ropa durante todo el año a pedido.
Sus insumos los compra en la ciudad de Santiago. También se dedica a la preparación de ceviches y mariscales, desde su casa y de manera artesanal. Para continuar con éste negocio debe tener un local amplio, por lo que pretende ocupar la cocina de su casa, para obtener los permisos de salubridad.
Con el crédito comprárá potes, envases, bolsas, bidones de jugo de limón, para la preparación de mariscales.
Sus metas son ampliar sus dos negocios, el de costuras y en un futuro establecerse con un local establecido para vender sus productos de mar.
Adela vive junto a su marido, sus dos hijas de 29 y 24 años de edad, además de dos nietos. Sus sueños son generar mayores ingresos para brindarle a su familia una mejor calidad de vida.
Ella está muy contenta y agradecida de los servicios brindados por Fondo esperanza, respecto al grupo Adela se siente muy cómoda ya que las reuniones son amenas, el grupo es comprometido y afiatado. Sobre las capacitaciones ellos se encuentran muy entusiasmados.
San Antonio es un puerto de la región de Valparaíso, siendo esta una de sus principales características, ubicado en el litoral central de Chile. Se desarrolla en forma importante la pesca y venta de pescados y mariscos. Pese a la actividad portuaria y comercial del puerto, existe un alto índice de cesantía.
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