Tejiendo Sueños En La Cordillera Group
Patricia Delegada of the communal bank is in the first row, second from right to left in the phot wearing a patterned sweater and she sells wool thread. She is in charge of processing fleece that she buys from the private houses that raise sheep. She then washes it, dries it, cards it, (untangles and cleans the wool) and makes thread from it. The process takes three days. She says that she learned the skill from her mother and that’s why she has been working in this field for a long time.
She will use the loan to buy a wool carding machine. However, she needs to collect more money to get it since the machine is very expensive but it will make her work easier. Patricia sells according to the orders she has during the week.
Her motivations to continue with the business are principally that she enjoys what she does and it also gives her an income for her home.
Her goals are to keep this business and to be able to teach the skill to one of her family members so there is a continuation of this cultural craft. She lives with her husband and she has a 28-year-old married son
Patricia is very happy and grateful for the support offered her by Fondo Esperanza since this loan will be used to invest in her business and thus hopefully generate higher earnings. As for the communal bank group she says that she has good relationships with the members since she knew them from before.
Temuco is the capital of the Araucania region, located 670 kilometers to the south of Santiago (the capital of Chile). There are a series of natural baths (Pucón, Villarrica) and a very beautiful native flora and fauna concentrated in nearby natural parks. It’s noteworthy that 50% of the Mapuches, an indigenous people of our country, live in this region.
Patricia delegada del Banco comunal, quien en la foto se encuentra en primera fila en el segundo lugar de derecha a izquierda, usando un sweater estampado, se dedica a vender lana hilada. Ella se encarga de procesar lana esquilada de oveja, la compra en casas particulares en las cuales crían ovejas. Posteriormente la lava, seca, escarmena (desenredar y limpiar la lana) e hila la lana. El proceso tarda alrededor de tres días. Comenta que éste es un oficio heredado por su madre, por lo que se dedica desde hace mucho tiempo a éste rubro.
El crédito lo utilizará para comprar una máquina escarmenadora, sin embargo debe juntar más dinero para obtenerla, ya que tiene un valor más alto. Esta máquina facilitaría su trabajo.
Patricia vende de acuerdo a los pedidos que tenga durante la semana.
Las motivaciones de continuar con el negocio, se debe principalmente a que Patricia disfruta mucho lo que realiza, además que le permite un ingreso económico para su hogar.
Sus metas son mantener éste oficio y poder enseñarlo a algún familiar para que se mantenga culturalmente.
Ella vive junto a su marido y tiene un hijo de 28 años quien está casado.
Patricia está muy contenta y agradecida del apoyo brindado por Fondo esperanza, ya que éste crédito le servirá para invertir en su negocio y de ésta manera generar en lo posible mayores ingresos. Respecto al grupo del Banco comunal dice tener una muy buena relación, ya que además se conocían de antes.
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