Los Girasoles Group
María Teresa is the president of the communal bank. In the photo she is seated in the first row, the third from the right; her hair is dark brown and pulled back, and she is wearing a purple t-shirt and black pants. She has looked after her business selling groceries, vegetables, and pet food for a year, after having closed it for a time to raise one of her children. She also works selling lingerie and cosmetics from a catalogue. It is going well for her in both businesses. She buys her merchandise in the town of Lampa and in downtown Santiago.
With the loan she will buy merchandise to supply her store, specifically noodles, sugar, tea, rice, and eggs wholesale. One of her goals is to expand the infrastructure of her business, thus supplying it with a greater quantity of merchandise.
María Teresa lives with her husband and two children, ages 4 and 2. Her dream is to achieve financial independence.
She is very happy and grateful for the help offered by Fondo Esperanza because it will allow her to invest in her business. The communal bank group of which she is a member is very supportive and responsible. Regarding the training, she comments that they have served her to organize the accounting in her business.
Colina is a community in the metropolitan region (where the capital of Chile, Santiago, is located), in the north of the region. Currently it is the center of important investments, principally in the agroindustrial area, because of the presence of large and important companies that in turn give a large number of employees to the community. It is also an area of pleasant sub-divisions, which has contributed to expanding considerably the number of residents. There are also areas suitable for tourism, such as hot springs, sports in Lake Piedra Roja, and mountain climbing.
María Teresa presidenta del Banco comunal, quien en la foto se encuentra sentada en primera fila, ocupando el tercer lugar de derecha a izquierda, su cabello se encuentra tomado es de color castaño oscuro, usa una polera color morado, pantalones color negro.
Se dedica atender un negocio con venta de abarrotes, verduras y alimento para mascotas. Desde hace un año, después de haberlo cerrado durante un tiempo para criar a uno de sus hijos.
Además se dedica a vender lencería y cosméticos por catalogo. En ambos negocios le va muy bien.
Su mercadería la compra en la comuna de Lampa y Santiago Centro.
Con el crédito comprará mercadería para abastecer su negocio, específicamente fideos, azúcar, te, arroz y huevos, al por mayor.
Una de sus metas es ampliar la infraestructura de su negocio, así abastecerlo con mayor cantidad de mercadería.
María Teresa vive junto a su esposo y sus dos hijos de 4 y 2 años de edad. Su sueño es lograr una independencia económica.
Ella está muy contenta y agradecida de la ayuda brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio.
El grupo del Banco comunal del cual forma parte es muy comprometido y responsable.
Respecto a las capacitaciones comenta que le han servido para organizar la contabilidad de su negocio.
Colina es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada al norte de la misma. Actualmente es centro de importantes inversiones, principalmente en el área agro industrial, debido a la instalación de grandes e importantes empresas, que de paso entregan un gran número de empleos a la comunidad. Es también un área de parcelaciones de agrado, lo que ha contribuido a aumentar considerablemente el número de habitantes. También cuenta con espacios adecuados al turismo, tales como termas, deporte en la Laguna Piedra Roja y montañismo.
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