El Huique Group
Rupert is a member of the communal bank; he appears in the photo standing up in the middle of the second row wearing a green, short-sleeved polo shirt and he has a mustache. He works selling fruit, vegetables and other groceries from premises located inside his house. He has worked in this business along with his wife for 20 years, every day of the week from 9am to 11pm. He tells us that his customer base has grown over the years. He will use the loan to stock up his shop. One of his business goals is to increase sales.
Rupert lives together with his wife, and one of their personal dreams is for their business to continue prospering, so that they can give their family a better quality of life.
He is very grateful for the opportunity provided by the Fondo Esperanza (the Hope Fund) as it allows him to invest in his business. He says that the group of which he is part is very good and its members are very close. With regards to training, he says that it has made him able to perfect his knowledge, despite his commercial experience.
The city of San Fernando is located in the Libertador General Bernardo O'Higgins region in central Chile. The economic activity of the city is based mainly on agriculture (vineyards, orchards and the cultivation of beetroot, tobacco, wheat and traditional crops), plus agro-industries (companies who export fruit, canned food, dairy products) and commerce.
Ruperto integrante del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila de pie, en el lugar de en medio. Usa una polera manga corta color verde, además usa bigotes. El se dedica a vender frutas, verduras y abarrotes en un local establecido que tiene ubicado al interior de su casa. Trabaja en este negocio desde hace 20 años junto a su esposa. Todos los días de la semana de 9ºº de la mañana hasta las 11ºº de la noche.
Comenta que la clientela ha ido en aumento con los años.
Su mercadería, específicamente las frutas y verduras las compra en la vega y ferias libres, semanalmente.
Con el crédito comprará mercadería para su negocio.
Una de las metas para su negocio es incrementar las ventas.
Ruperto vive junto a su esposa y uno de sus sueños a nivel personal es seguir prosperando en su negocio, para brindarle a su familia una mejor calidad de vida.
El está muy agradecido de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio.
Comenta que el grupo del cual forma parte es muy bueno y unido. Respecto a las capacitaciones dice que le han servido para perfeccionarse en sus conocimientos, a pesar de la experiencia comercial.
San Fernando es una ciudad ubicada en la región del Libertador General Bernardo O´Higgins , zona centro de Chile. La actividad económica de la ciudad se basa principalmente en la agricultura (viñedos, cultivo de remolacha, frutales, tabaco, trigo y cultivo tradicional), la agroindustria (empresas exportadoras de frutas, conserveras, de lácteos, etc.) y el comercio.
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