Padre Rolando Escobar Group
María is a member of this community bank. She is in the back row of the photograph and has red hair. She has been working in commerce for 10 years. She sells groceries, drinks, meat, toiletries, dairy products and sweet treats in a grocery store that she has on her property.
María buys her merchandise every week and her suppliers sell her products directly in her home. She works from Monday to Sunday, from 8.00am to 11.00pm. She will use this loan to buy merchandise with which to stock her business.
María's goals for her business are mainly to expand the physical space in which it is located. She says that her business is doing very well and so she needs to buy merchandise in larger quantities.
María lives together with her husband and her two daughters who are 13 and 8 years old. She says that her older daughter helps her in the business when she has free time but most of the time she is studying.
María is very happy and grateful for the support that Fondo Esperanza have given her as it has enabled her to invest in her business. She also enjoys the meetings and likes the group that she belongs to.
Linares is an important urban center which is located in Maule region, in the central area of the country. Farming and wine growing are important businesses in this area. They are very big exports. Cereal growing (rice, wheat, corn and oats) is very important, as is vegetable growing (beets, cabbage, lettuce and chard), and fruit growing. Linares is Chile's main rice-growing province. In fact, 78% of the national rice production comes from this province, especially from Parral district.
María integrante del grupo del Banco comunal, quien en la foto se encuentra en la última fila y su cabello es color rubio. Se dedica al rubro del comercio desde hace 10 años. Específicamente ofrece y vende abarrotes, bebidas, carnes, artículos de aseo, lácteos y confites en un almacén que tiene ubicado en el terreno de su casa.
Su mercadería la compra todas las semanas y sus proveedores le ofrecen los artículos directamente en su domicilio.
Ella trabaja de lunes a domingo en un horario de 8ºº de la mañana a 11ºº de la noche.
Con el crédito comprará mercadería para abastecer su negocio.
Las metas para su negocio, principalmente son ampliar el espacio físico que ocupa, comenta que le va muy bien, por lo que necesita comprar en mayores cantidades de mercadería.
María vive junto a su marido y sus dos hijas de 13 y 8 años de edad. Comenta que su hija mayor es quien la ayuda en el negocio, cuando tiene tiempo libre, ya que debe ocuparse la mayor parte del tiempo a estudiar.
María está muy contenta y agradecida del apoyo que le ha brindado Fondo esperanza, ya que le ha permitido invertir en su negocio. Además disfruta de las reuniones impartidas y del grupo del cual forma parte.
Linares es un importante centro urbano de la región del Maule, ubicado en la zona centro del país. En esta zona se desarrolla de manera importante la producción agrícola y también vitivinícola sobresaliendo en el ámbito de las exportaciones. Destacan los cultivos de cereales (arroz, trigo, maíz y avena), hortalizas (remolacha, repollo, lechuga y acelga y legumbres) y frutas. Linares es la principal provincia productora de arroz, en Chile; de hecho, el 78% de la producción nacional de este cereal se da en esta provincia, especialmente en la comuna de Parral.
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