La Unión Hace La Fuerza Group
Clara is a member of the Communal Bank group. In the photo, she's standing in the second row, third from the left, wearing an apple-green sweater. Her hair is light-brown and pulled back.
She works preparing and selling fast food, which she has been doing for the last seven years. She comments that she really enjoys her business. She currently has a cart which is located at her home, which is where she sells sandwiches, homemade bread, french fries, sopaipillas (fried pastries) and hot dogs. She works evenings, Monday through Friday. She is very happy, and has many customers which has allowed things to go well for her.
She buys her supplies at the "vega" (the market for retailers). With the loan, she will buy sacks of potatoes, oil by the liter, ketchup, mayonnaise, paper bags, hot-dog containers, napkins, and other things.
Her goals for her business are to have an established premises, where she can tend to her customers and they can eat on-site. She would put it in the back garden of her home. She comments that the only things she needs now is to build the small location, as she already has a potato-chopper and a full industrial oven.
Clara lives with her husband and her 23 year old son, who has a disability.
Her dreams are to have her own premises, so as to earn better income and with this be able to provide her family with a better quality of life.
Clara is very happy with and grateful for the services that are provided by Fondo Esperanza. This support has been fundamental for her, as has been the meetings of the Communal Bank group.
Colina is a community in the metropolitan region (which is Santiago, Chile's capital), located in the north of the region. It is currently the center of some important investments, mainly in the agro-industrial area, thanks to the presence of large and important companies which bring a large number of jobs to the community. It is also an area of pleasant sub-divisions, which have contributed to the considerable growth in the number of inhabitants. It also has things suitable for tourists, such as spas, fun in the Red Stone Lake, and mountain-climbing.
Clara integrante del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila de pie, en el tercer lugar de izquierda a derecha, vistiendo un sweater color verde manzana, su cabello es castaño claro y está tomado.
Se dedica a la preparación y venta de comida rápida, desde hace 7 años, comenta que disfruta mucho de su negocio.
Actualmente cuenta con un carro que lo ubica en su casa, ahí vende sándwich, pan amasado, papas fritas, sopaipillas y completos. Trabaja de lunes a viernes por las tardes. Está muy contenta, ya que cuenta con mucha clientela y esto le ha permitido que le vaya bien.
Sus insumos los compra en la vega (feria para comerciantes).
Con el crédito comprará sacos de papas, aceite por litro, kétchup, mayonesa, bolsas de papel, envases para completos, servilletas, entre otros.
Las metas en su negocio son tener un local establecido, en el cual pueda atender a sus clientes para que consuman en el local, además ubicarlo en el ante jardín de su casa. Comenta que solo le falta construir un pequeño local, ya que cuenta con una picadora de papas y un horno industrial completo.
Clara vive junto a su esposo y su hijo de 23 años de edad, quien sufre una discapacidad.
Sus sueños son tener su propio local, para generar mayores ingresos y con esto poder brindarle a su familia una mejor calidad de vida.
Clara está muy contenta y agradecida con los servicios brindados por Fondo Esperanza, y que este apoyo ha sido fundamental, al igual que las amenas reuniones que comparte con el grupo del Banco comunal.
Colina es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada al norte de la misma. Actualmente es centro de importantes inversiones, principalmente en el área agro industrial, debido a la instalación de grandes e importantes empresas, que de paso entregan un gran número de empleos a la comunidad. Es también un área de parcelaciones de agrado, lo que ha contribuido a aumentar considerablemente el número de habitantes. También cuenta con espacios adecuados al turismo, tales como termas, deporte en la Laguna Piedra Roja y montañismo.
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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