Los Esforzados Por Siempre Group
Rosaura is a member of this Communal Bank. In the photograph, she is in the second row that is standing. She is the third person, going from left to right, with her hair down and who has bangs. Rosaura is wearing a blouse with a black-and-white print. She sells both recycled and new clothing and has been in business for 10 years. For the past year, she has been able to work without any difficulty.
Rosaura offers her merchandise at different open fairs and also sells from her home. Her work schedule is from 8am to 2pm. Her merchandise is transported by tricycle. Even though it is not in the best condition, it is very useful. Rosaura buys her merchandise from distributors, especially those who sell clothing for men, women, and children. With this loan, she will buy new clothing for men. One of her goals is to have an established location and offer her products in a boutique.
Rosaura lives with her brother and her 12-year-old son. One of her dreams is to obtain her own home. For this reason, she has applied for a housing subsidy. She is very pleased with and appreciative of the opportunity provided by Fondo Esperanza so that she can invest and excel in her business. Regarding her Communal Bank, Rosaura says the group is very organized.
Independencia is one of 34 communities that comprise the city of Santiago, the capital of Chile which is located in the north-central sector. This area emerged in the late 19th century as one of the more traditional sectors of the city. The main axis is Independencia Avenue, which used to serve as the old road of the Incas and the gateway to the north in the city of Santiago. Given the growing indigenous population, Independencia is known as the Indigenous Cultural Center of Chile. There are also important buildings in Independencia, including six historical Chilean monuments.
Rosaura integrante del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila de pié, en el tercer lugar de izquierda a derecha, usa su cabello suelto y chasquilla. Además viste una polera estampada color blanco y negro.
Ella se dedica a la venta de ropa reciclada y nueva, desde hace 10 años, además desde hace un año ya se encuentra con permiso para trabajar sin dificultad.
Su mercadería la ofrece en diferentes ferias libres y también desde su casa, su horario de trabajo es a partir de las 8ºº de la mañana hasta las 16ºº horas. Su mercadería la traslada en un triciclo, comenta que a pesar que no se encuentre en las mejores condiciones, le es muy útil.
Su mercadería la compra en distribuidoras, específicamente ropa para varón, dama y niños.
Con el crédito comprará ropa nueva para varón.
Una de sus metas es tener un local establecido y ofrecer sus productos en una boutique.
Rosaura vive junto a su hermano y su hijo de 12 años de edad. Uno de sus sueños es obtener su casa propia, para esto ya postuló al subsidio habitacional.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio y surgir.
Respecto al grupo del Banco comunal, comenta que son muy organizados.
Independencia es una de las 34 comunas que componen la ciudad de Santiago (capital de Chile), ubicada en el sector centro-norte. Surgió a fines del siglo XIX como un sector tradicional de la ciudad. Su eje principal es la Av. Independencia, por la cual pasaba el antiguo Camino del Inca, puerta de entrada por el norte, a la ciudad de Santiago. Dada su amplia población indígena, en Independencia se encuentra el Centro Cultural Indígena de Chile. Cuenta también con importantes construcciones históricas, entre ellas 6 monumentos históricos de Chile.
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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