Querer Es Poder Group
Paola is a member of this communal bank. In the photo she is squatting in the front row on the left, wearing a horizontally striped shirt and flowery trousers. She has been working in commerce for five years, selling groceries and vegetables at a stall she established in the front garden of her mother's house, which is where she lives with her parents, siblings, husband, and two children aged four years and two months.
Paola explains that she had a greengrocers shop, but had to relocate her business to her mother's house as she was pregnant and had to sacrifice herself to her work.
With this loan, Paolo will buy wholesale vegetables, toilet paper and detergent for her store. Her business goals are to stock her store with more goods and obtain the municipal patent for her business which will allow her to sell her products.
Her dream is to improve the income generated from her business and provide a better quality of life for her family. She also longs to own her own home and for this she needs to apply for a housing subsidy.
Paola is very pleased with and grateful for the support provided by Fondo Esperanza, as the loan allows her to invest in her business. She has also said that the communal bank meetings have helped her learn more about the group which she is a part of.
San Bernardo is a city located 18 km directly south of the main square of Santiago (the capital of Chile). It is known as the capital of folklore as in January each year the International Folklore Festival takes place, an event where the country's roots come together and musical groups from all over South America meet. San Bernardo also hosts the Traditional Crafts Fair, which features both Chilean craftsmen and those from other nearby countries. In April, an event called 'Abril Cuecas Mil' takes place which consists of dancing cueca (Chilean folk dance) throughout the entire district.
Paola integrante del grupo del Banco comunal, quien en la foto se encuentra en la primera fila en cuclillas, ubicada en el primer puesto de izquierda a derecha, vistiendo una polera a rayas horizontales y un pantalón floreado.
Se dedica al rubro del comercio desde hace 5 años, específicamente vendiendo abarrotes y verduras en un puesto que habilitó en el ante jardín de la casa de sus madre, en la cual vive.
Comenta que tenía una verdulería, pero debió establecerse en la casa de su madre, ya que estaba embarazada y era muy sacrificado el trabajo.
Con el crédito comprará verduras, papel higiénico y detergente al por mayor, para su negocio de venta de abarrotes.
Las metas en su negocio son abastecerlo con más mercadería y obtener la patente (permiso municipal, que le permitirá vender).
Paola vive junto a sus padres, hermanos, esposo y sus dos hijos de 4 años y 2 meses de vida.
Sus sueños son mejorar los ingresos de su negocio, para brindarle a su familia una mejor calidad de vida. Además anhela obtener su casa propia, para esto debe postular al subsidio habitacional.
Paola está muy contenta y agradecida del apoyo brindado por Fondo esperanza, ya que el crédito le ha permitido invertir en su negocio.
Además comenta que las reuniones le han permitido conocer más al grupo del cual forma parte.
San Bernardo es una ciudad, ubicada a 18 km. en línea recta hacia el sur desde la plaza de armas de Santiago (capital de Chile). Es conocida como la capital del folklore, debido a que cada año, en enero, se realiza el "Festival Internacional del Folklore", un evento en el que las raíces del país se dan cita y se reúnen agrupaciones musicales de toda Sudamérica. También se desarrolla la "Feria de Artesanía Tradicional", en la que participan tanto artesanos chilenos como de otros países cercanos. Luego en abril se realiza el evento “Abril cuecas Mil” que consiste en hacer bailar cueca (baile tradicional chileno) a toda la comuna.
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