Artesanias Del Sur Group
Gladys is a member of this Communal Bank group. In the photograph, she is on the first row. Gladys is kneeling, wearing a black jacket and jeans, and holding a document and a mobile phone in her hands. She is in the craft business, specifically making knitted items such as scarves, hats, clothes, and other items. Gladys also sells crafts made of wood and leather. She rents a shop in Angelmó (an area known for its artisan fairs and being frequented by tourists). Gladys has been working in this field for 25 years and inherited this business from her mother. Her materials are purchased from different islands in southern Chile. She will use this loan to purchase wool for knitting so that she can take advantage of the season when there is much higher demand as a result of tourism. This period is from November to February.
Gladys says that throughout most of her life she has been able to achieve many goals in her business. She lives with her husband and her 29-year-old daughter who is in the same line of work. Gladys says that all of the members of her family are merchants. Her dreams on a personal level include expanding her house. She is very pleased and grateful for the services provided by Fondo Esperanza. With respect to her group, she says that the meetings have helped her get to know the other entrepreneurs and they have already bonded.
Puerto Montt is a city in southern Chile that is located in the region of Los Lagos. The attractions of Puerto Montt include its beautiful green vistas, but there is little activity on its beaches. The cuisine is well-known for its fish and seafood. The local handicrafts also have a reputation. Puerto Montt also serves as the gateway to Isla Grande de Chiloé, which is rich in traditions and legends.
Gladys integrante del grupo del banco comunal, quien en la foto se encuentra en primera fila, en el primer lugar de izquierda a derecha, arrodillada, viste una chaqueta color negro y jeans, además en sus manos sostiene un documento y un celular. Ella se dedica al rubro de la artesanía específicamente realiza tejidos, entre bufandas, gorros y vestidos, entre otros. También vende artesanía en madera y cuero. Arrienda un local en Angelmó (sector de ferias artesanales, destinadas al turismo). Se dedica a éste rubro desde hace 25 años, oficio heredado por su madre. La materia prima la compra en diferentes islas del sur de Chile.
Con el crédito comprará lanas para tejer, aprovechará la temporada de más alta demanda, debido al turismo, comprendido desde noviembre a febrero.
Comenta que a lo largo de su vida ha podido concretar muchas metas en su negocio.
Gladys vive junto a su marido e hija de 29 años de edad, quien trabaja en el mismo rubro, comenta que toda su familia es comerciante.
Sus sueños a nivel personal son ampliar su casa.
Ella está muy contenta y agradecida de los servicios otorgados por Fondo Esperanza, respecto al grupo comenta que las reuniones le han servido para conocerse con los demás emprendedores, por lo que ya se están afiatando.
Puerto Montt es una ciudad del sur de Chile, ubicada en la región de Los Lagos. Una de las atracciones de Puerto Montt son sus bellos paisajes verdes; sus playas poco frecuentadas; su gastronomía y especialmente la reputación de sus pescados y mariscos y sus artesanías. Es también la puerta de entrada a la Isla Grande de Chiloé, rica en tradiciones y leyendas.
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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