Isla Negra Group
Ana Luisa is a member of this community bank and can be seen in the photo sitting in the middle of the first row. She has long black hair and she is wearing a grey jumper and holding a brown bag on her lap. She has been selling artesanal crafts including paintings, letters, earrings, necklaces and clothing for twelve years. She makes her own artesanal products out of glass and also purchases products from other well-known artisans, going on to sell these products at the artesanal fair.
With this loan Ana Luisa will purchase glass so she can work in the glass fusion style, which is the art of styling glass at high temperatures. She will also buy ashtrays, cups in various styles and vases in different sizes, both large and small. Her business goals are to sell her artesanal works exclusively, and to create quality products.
Ana Luisa lives with her husband and her two children who are 17 and 12 years of age. Her dream is to expand the market stall that she operates at the artesanal fair. Ana Luisa is very happy and grateful for the services offered by Fondo Esperanza as it will allow her to invest in her business and generate larger profits. She says that the community bank that she belongs to is very united and the group is becoming more and more committed to each other.
San Antonio is one of the main traditional port towns in the Valparaíso region and is located on the central coast of Chile. It has become a very important town for fishing and selling fish and seafood. Because of the commercial activity on the dock of the port, there is also a high unemployment rate.
Ana Luisa integrante del grupo del Banco comunal, quien en la foto se encuentra en primera fila, sentada en el lugar del medio, su cabello es negro y largo, además viste un sweater color gris y sostiene una cartera de color café en las piernas.
Se dedica a vender artesanía desde hace 12 años, sus productos son pinturas, letras, aros, collares y ropa. Ella misma se dedica a la elaboración de productos de artesanía en vidrio y también compra productos a otros artesanos conocidos. Ella vende en una feria artesanal.
Con el crédito comprará vidrio para trabajar en vitrofusión, que es el arte de modelar el vidrio a grandes temperaturas. Además comprará ceniceros, copas de diferentes estilos, vasos de diferentes tamaños, chicos y grandes.
Las metas en su negocio son generar cierta exclusividad con los productos que pueda realizar y que además sean productos de calidad.
Ana Luisa vive junto a su marido y sus dos hijos de 17 y 12 años de edad.
Sus sueños son ampliar el local que atiende en la feria artesanal.
Ella está muy contenta y agradecida de los servicios brindados por Fondo esperanza, ya que le permitirá invertir en su negocio y generar mayores ganancias. Comenta que el grupo del Banco comunal al cual pertenece se ha unido y están cada vez más comprometidos.
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