Alejandra is the president of the community bank. In the photo she can be found in the front row, second from the right. She is wearing a printed blouse which is black and fuchsia. She is also wearing black, knee-length pants. She has long, straight, dark brown hair. In her right hand she is holding a white envelope.
Alejandra's business is selling ladies' and girls' clothing. She has been working in this business for seven years. She started out selling used clothing but now she only sells new clothing.
Alejandra comments that she has a large number of customers who are mainly new. She makes her sales door to door and also over the Internet. She buys her merchandise on the Internet and they post it to her. She will use her loan to buy ladies' clothing. One of her business goals is to have sales premises and to go into business with one of her friends.
Alejandra lives together with her husband and her three children who are 8, 3 and 1 year old. Her dream is to own her own home and so she is saving up and has already applied for housing subsidy. Her motivation to continue in her business is that she wants to help her family financially so that she can provide them with a better quality of life.
Alejandra is very happy and grateful for the opportunity she has received from Fondo Esperanza as it will allow her to invest in her business. She says that the members of her community bank are very responsible and nice people. The training sessions have helped her to organize her business accounts. The small photo that appears is a member of the communal bank who could not attend the meeting for the group photo due to personal problems.
Chillán is a town in Chile's central-southern zone. Its name means 'chair of the sun' in Mapundungun, the language of our indigenous Mapuche people. Chilllán is known as "Birthplace of the Motherland" or "Land of Artists" as it has been the birthplace of prominent figures from Chile's history such as, for example, the well-known pianist Claudio Arrau.
Alejandra presidenta del Banco comunal, quien en la foto se encuentra en la primera fila, en el segundo lugar de derecha a izquierda, viste una blusa estampada con colores negro y fucsia, además de unos pantalones ajustados hasta la rodilla color negro. Su cabello es largo y liso, de color castaño oscuro y en su mano derecha sostiene un sobre blanco.
Ella se dedica a vender ropa de dama adulta y joven. Se desempeña en este negocio desde hace 7 años, comenzó vendiendo ropa usada y actualmente se dedica a vender solo ropa nueva.
Comenta que cuenta con un gran número de clientes, en su mayoría nueva. Sus ventas las realiza puerta a puerta y también por internet.
Su mercadería la compra por internet y se la despachan por encomienda.
Con el crédito comprará ropa de dama.
Una de las metas en su negocio es tener un local establecido y asociarse con una de sus amigas.
Alejandra vive junto a su marido y sus tres hijos de 8, 3 y 1 año de edad. Sus sueños son obtener su casa propia, para esto ya se encuentra ahorrando y ya postuló al subsidio habitacional. Sus motivaciones de continuar con el negocio, son ayudar económicamente a su familia, para brindarle una mejor calidad de vida.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo esperanza, ya que le permitirá invertir en su negocio. Comenta que el grupo del Banco comunal del cual forma parte es muy responsable y ameno. Respecto a las capacitaciones, estas le han servido para organizar la contabilidad de su negocio.
La foto que aparece en el recuedro es una integrante del Banco comunal que por problemas personales no pudo asistir el día de la toma de foto grupal.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.
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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