Las Heroínas De Labranza Group
Carolina is the communal bank’s group Treasurer. In the photo she’s in the center, wearing a white jacket and green scarf; in addition, her hair is gathered up.
She has been selling clothes for the last ten years. She started out selling used clothes but has been selling new clothes for the last six months. She comments that she’s done excellently well with sales and that the number of customers has increased over time. She sells door to door and buys her merchandise in the city of Santiago’s Meiggs neighborhood. She will use the loan to buy new clothes. Her business goal is to set herself up in an established locale to display and sell her merchandise.
Carolina lives with her husband and three children who are 11, 7 and 3 years old. She feels tranquil and happy and comments that she has no unfulfilled dreams.
Carolina is very happy and grateful for the services she’s gotten from Fondo Esperanza. She also enjoys the workshops that take place during the communal bank meetings. The group is very united, mutually supportive and the members have known each other for the last two years.
Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago (Capital of Chile). There is a series of lakefront resorts in its surroundings (Pucón, Villarrica) and it has very eye-catching flora and fauna concentrated in nearby natural parks. It’s worth pointing out that this region is home to 50% of the Mapuche, our country’s indigenous people.
Carolina tesorera del grupo del Banco comunal, quien en la foto se encuentra al medio, vistiendo una chaqueta color blanco, un pañuelo color verde y que además usa su cabello tomado.
Se dedica a la venta de ropa desde hace 10 años, comenzó vendiendo ropa usada y desde hace 6 meses vende ropa nueva. Comenta que le ha ido excelente en sus ventas y que el número de clientes se ha incrementado con el tiempo. Sus ventas se realizan puerta a puerta. Su mercadería la compra en el barrio Meiggs de la ciudad de Santiago.
Con el crédito comprará ropa nueva.
Sus metas en su negocio son instalarse con un local establecido, para ofrecer y vender su mercadería.
Carolina vive junto a su esposo y sus tres hijos de 11, 7 y 3 años de edad, ella se siente tranquila y feliz, por lo que comenta no tener sueños pendientes que realizar.
Carolina está muy contenta y agradecida de los servicios entregados por Fondo esperanza, también disfruta de los talleres que se imparten en las reuniones del Banco comunal. El grupo conformado es muy unido, solidario, ya que además se conocen desde hace dos años.
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