Emprendiendo Sin Fin Group
Marta is a member of the communal bank and is pictured sitting in the first row second from the right. She is wearing blue jeans and a striped sweater. She has been making bakery products for five years and has taken several bakery classes offered by the municipality and support institutions.
Product sales have been going well and she has many customers. She makes her products at home and delivers them to a fixed customer base. She buys her ingredients in the city of Temuco. Her kitchen has a gas stove, microwave and mixer.
Currently she makes and sells desserts and wants to use the loan to buy plastic containers, plastic spoons, cups and milk. Her goal is for her business to prosper and become successful economically.
Marta lives with her parents and her personal goals are to save enough money to buy her own house. She is very happy and grateful for the services and loans received from Fondo Esperanza, which have enabled her to invest in and organize her business.
Regarding the communal bank she says she already knew the other members and the relationship has been a good one. Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago (capital of Chile). There are several lake spas (Pucón, Villarrica) in the area and colorful flora and fauna in the nearby natural parks. Around 50% of the Chilean Mapuche indians live here.
Marta integrante del Banco comunal quien en la foto se encuentra sentada en primera fila ocupando el segundo lugar de derecha a izquierda, viste un pantalón color azul y una polera rayada, se dedica al rubro de la repostería, desde hace 5 años. Ella realizó algunos cursos de repostería impartidos por la Municipalidad e instituciones de solidaridad.
Comenta que le ha ido muy bien con la venta de sus productos y conserva clientela antigua. Sus productos los realiza en su casa y los reparte en los domicilios de sus clientes fijos. Su mercadería la compra en la ciudad de Temuco. Su cocina está implementada por una cocina a gas, microondas y una batidora.
Actualmente se dedica a la preparación y venta de postres, por lo que con el crédito comprará envases de plástico, cucharas de plástico, vasos y leche.
Sus metas en su negocio son prosperar y surgir económicamente.
Marta vive junto a sus padres y sus sueños a nivel personal son ahorrar para postular a una vivienda propia.
Ella está muy contenta y agradecida de los servicios y créditos otorgados por Fondo esperanza, ya que le permitirán invertir en su negocio y organizarlo.
Respecto al grupo del banco comunal comenta que ya se conocían con los demás integrantes y la relación ha sido muy buena.
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