Juntos Podemos 2.0 Group
She works Mondays to Saturdays in the mornings at a school and at a street market. She sells from a food cart. She says that she is doing well with her business as she also has regular clients. She buys her products in the valley (a market dedicated to the sale of products especially for retailers). With the loan she is going to buy an industrial oven. Her goals are to obtain a fully equipped food cart that is set up so as to obtain a health permit. She already has a deep fryer and food storage cabinet.
Palmenia lives with her husband and 2 sons, 20 and 12 years of age. In addition she is expecting a third child as she is 6 months pregnant. Her dreams are to apply for a housing subsidy to obtain their own home. With this investment Palmenia can install the business in her own home so as to make her work schedule more flexible and thus spend time both at work and with her children.
Palmenia is very happy and grateful for the opportunity given her by Fondo Esperanza as it has allowed her to invest in her business. She also says that there is a good relationship of trust with the communal bank group.
Conchalí is a part of the metropolitan area (where Santiago, the capital of Chile is located), located to the north. It has a defined industrial area, and multiple economic activities and small businesses, including street markets, craft workshops, garages, bus terminals, among others. The microenterprise sector is very relevant to the commercial actvity of the area.
Palmenia integrante del Banco comunal, quien en la foto se encuentra sentada en primera fila, en el lugar del medio, vistiendo un pantalón café y una polera estampada con colores negro y gris. Se dedica a la preparación y venta de comida rápida, entre los cuales prepara helados, sopaipillas y completos.
Su horario de trabajo es de lunes a sábado durante las mañanas en un colegio y en la feria. Sus ventas las realiza en un carro. Comenta que le va muy bien en su negocio, ya que además tiene clientela fija. Y su mercadería la compra en la vega (feria destinada a la venta de productos preferentemente para comerciantes).
Con el crédito comprará un horno industrial.
Sus metas son obtener un carro completero, que contiene toda la implementación para obtener el permiso de salubridad. Actualmente ya cuenta con una freidora y una conservadora de alimentos.
Palmenia vive junto a su marido y sus dos hijos de 20 y 12 años de edad, además a la espera de un tercer hijo, ya que está embarazada (6 meses).
Sus sueños son postular al subsidio habitacional para obtener su casa propia, con ésta inversión Palmenia puede instalar su negocio en su misma casa, para flexibilizar sus horarios, así dedicar tiempo al trabajo y sus hijos.
Palmenia está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le ha permitido invertir en su negocio.
Además comenta que existe una buena relación de confianza con el grupo del Banco comunal.
Conchalí es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada hacia el norte de la misma. Posee un barrio industrial delimitado, y múltiples actividades económicas y comerciales de pequeño tamaño, incluyendo ferias libres, talleres artesanales, garajes, terminales de buses, entre otros. El sector microempresarial es muy relevante en su actividad comercial.
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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