Mirando El Futuro Group
Update on Mirando El Futuro GroupThis Communal Bank is called “Mirando al Futuro” (Looking to the Future) and consists of 19 entrepreneurs who engage in different businesses such as preparing fast food, ice cream, chocolates, pastries, selling books, used clothing, handicrafts, managing a store and bazaar, and other ventures. All of them live in the community of Independencia, which is located in the city of Santiago.
Claudia is a member of this Communal Bank. In the photograph, she is standing in the back row and has dark brown hair. As a better reference, she is the woman who is standing much higher than the rest of the group. Claudia is in the service industry, specifically providing pedicures and manicures. She started in this business four months ago after completing a course. Her work schedule is flexible. She works from her own home and at the homes of her customers. Claudia says that after she participated at a Christmas fair, she was able to attract a large number of customers. This event helped to increase her income. She also promotes her service by placing a sign outside of her house. Claudia buys her supplies at a shop in the central part of the city.
With this loan, Claudia will buy designer nail polish, nail polish remover, cotton, and acrylics. These supplies should last for the next three months in her business. Her goals include investing more money in these materials. Claudia lives with her mother and her three children (ages 7, 4, and 2). Her dreams on a personal level include finishing courses so that she will be more knowledgeable about foot care. She is very pleased with and grateful for the opportunity provided by Fondo Esperanza. This has enabled her to invest in her business. She says that she is very comfortable with her Communal Bank group. They have already worked together in several activities and have become very close. With respect to the training classes, Claudia is able to better organize the accounting of her business.
Independencia is one of 34 communities that make up the city of Santiago, the capital of Chile. It is located in the north-central sector. At the end of the nineteenth century, Independencia emerged as the most traditional section of the city. The main thoroughfare is Independencia Avenue, which served as the old Incan Road and the passageway to the north from the city of Santiago. Given the growing indigenous population, Independencia is known as the “Indigenous Cultural Center of Chile”. There are also historical buildings, including six Chilean historical monuments.
Claudia integrante del grupo del Banco comunal, quien en la foto se encuentra en la última fila, su cabello es color castaño oscuro y lo usa tomado, para una mejor referencia se encuentra al lado izquierdo de la emprendedora más alta que se ve al fondo del grupo.
Claudia se dedica al rubro de los servicios, específicamente a la pedicura y manicure. Se desempeña en este rubro desde hace 4 meses, posterior a un curso que realizó. Su horario de trabajo es flexible, ya que atiende en su propia casa y en los domicilios particulares de sus clientes.
Comenta que después de participar en una feria navideña, captó una gran cantidad de clientes, situación que le ha servido para aumentar sus ingresos.
Además promociona su servicio colocando un letrero afuera de su casa.
Su mercadería la compra en un local en el centro de la ciudad.
Con el crédito comprará esmalte de uñas con diseño, quita esmalte, algodón y acrílicos. Con estos materiales abastecerá su negocio durante tres meses.
Sus metas son invertir una mayor cantidad de dinero en materiales.
Claudia vive junto a su madre y sus tres hijos de 7, 4 y 2 años de edad. Sus sueños a nivel personal son realizar cursos de perfeccionamiento en podología.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que podrá invertir en su negocio.
Comenta que se siente muy cómoda con la compañía del grupo del Banco comunal, ya que realizan actividades en conjunto, por lo que están muy afiatados.
Respecto a las capacitaciones estas le han servido para organizar de mejor manera la contabilidad de su negocio.
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.
Previous Loan DetailsThis village bank is called "Mirando el Futuro" and is made up of 17 entrepreneurs who work in different fields including warehouses, making and selling food, and barber shops. All of them live in the community of Independencia in the city of Santiago. Maria is a member of the group seen in the… More from Mirando El Futuro Group's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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