Juntos Por Un Mañana Group
Patricia is a member and delegate of the communal bank, who is in the last row in the photo close to the window. Her hair is blond and she uses glasses. She has worked with pastries for two years. She remarks that she has taken cake decorating classes and what was once a hobby has become her work.
At present, she makes her products at home. She offers them and sells them in her customers' houses. She buys her ingredients at distributors and in the market, every week. She works Mondays through Saturdays with a flexible schedule and her customers make many orders for cakes, kuchen, and lemon pie.
With the loan she will buy materials such as cream, dulce de leche, eggs, flour, paper doilies and boxes for decoration. Her business goals are to have a pastry shop.
Patricia lives with her husband and two daughters, aged 18 and 10. Her dreams are to keep working and increase her income to have a better quality of life for her family.
She is very happy and grateful for the opportunity Fondo Esperanza has offered her. This has allowed her to invest in her business. She also feels very comfortable with the opportunity institution has offered her to participate in. She remarks that with the group she belongs to, there is a lot of trust and respect and they are very close.
Rancagua belongs to the region of the liberator Bernardo O´Higgins. It is a modern city that regulates the main productive and exportation processing of Chilean fruit and winery. It is also a mining city, because in its mountains is the largest underground mine in the world, “El Teniente”, with 4.500 km. of tunnels.
Patricia integrante y delegada del grupo del Banco comunal quien en la foto se encuentra en la última fila, cerca de la ventana, su cabello es rubio y usa anteojos. Se dedica al rubro de la pastelería desde hace dos años, comenta que realizó dos cursos de repostería y lo que comenzó como hobby se convirtió en su trabajo.
Actualmente prepara sus productos desde su casa, los ofrece y sale a vender a las casa de sus clientes.
Sus ingredientes los compra en distribuidoras y el mercado, todas las semanas.
Ella trabaja de lunes a sábado en horario flexible y sus clientes le hacen hartos pedidos de tortas, kuchen, pie de limón.
Con el crédito comprará materiales, específicamente cremas, manjar, huevos, harina, blondas y cajas para decorar.
La meta para su negocio es tener una pastelería.
Patricia vive junto a su marido y sus dos hijas de 18 y 10 años de edad. Sus sueños son seguir trabajando para aumentar sus ingresos y con esto acceder a una mejor calidad de vida para su familia.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza, ya que le ha permitido invertir en su negocio. También se siente muy cómoda con la acogida que le brindó la institución al participar. Comenta que el grupo del cual forma parte existe mucha confianza, respeto y son muy unidos.
Rancagua pertenece a la región del Libertador Bernardo O´Higgins. Es una moderna ciudad que regula el principal proceso productivo y exportador agrofrutícola y vitivinícola de Chile. Es también una ciudad minera, debido a que en su cordillera se encuentra la mina subterránea más grande del mundo “El Teniente”, con 4.500 km. de túneles.
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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