Las Flores Del Jardín Group
Marta, president of the communal bank, is in the photo, standing on the right edge of the group in the first spot, wearing a sleeveless white t-shirt and black pants. Her dark brown hair is pulled back. She has sold used clothing for men, women, and children of all ages for the past 2 years. Her schedule is flexible, since she sells door to door. Marta comments that her clientèle are in the majority home owners. Her merchandise is purchased by the bundle and she seizes opportunities as they arise. With this loan she will buy bundles of used clothing; specifically, t-shirts, pants and jackets. One of her goals is to buy new clothing as well.
Marta lives with her 2-year-old daughter, her mother, and her brothers. Among her dreams is to obtain her own house. She has already submitted the paper work to obtain a housing subsidy, and she has begun to save.
Marta is very content and grateful for the opportunity offered by Fondo Esperanza to invest and generate a larger income. She comments that she feels very comfortable with the group at her communal bank, who are committed and responsible.
Rancagua belongs to the Libertador Bernardo O'Higgins region. It is a modern city, dominated mainly by the production and export of fruit and Chilean wine. It is also a mining city in whose mountain chain lies the world's largest subterranean mine, “El Teniente, with 4,500 klm of tunnels.
Marta presidenta del Banco comunal, quien en la foto se encuentra de pié al costado derecho del grupo, ocupando el primer lugar, usa una polera sin mangas color blanco y pantalón color negro, su cabello lo usa tomado y es de color castaño oscuro.
Se dedica a la venta de ropa usada para varón, dama y niños de todas las edades, trabaja en éste rubro desde hace dos años.
Su horario es relativo, ya que vende puerta a puerta. Comenta que tiene muy buena clientela, quienes en su mayoría son dueñas de casa.
Su mercadería la compra por fardos y aprovecha oportunidades de ocasión.
Con el crédito comprará fardos de ropa usada, específicamente poleras, pantalones y chaquetas.
Una de sus metas es invertir en la compra de ropa nueva.
Marta vive junto a su hija de 2 años de edad, su madre y sus hermanos. Sus sueños son obtener su casa propia, ya ha averiguado el proceso de postulación para obtener el subsidio habitacional, por lo que comenzará a ahorrar.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza, ya que le permitirá invertir en su negocio y generar mayores ingresos. Comenta además que se siente muy cómoda con el grupo del Banco comunal, ya que son comprometidos y responsables.
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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Success!! The loan was 100% repaid