Valería, who is the communal bank's treasurer, is standing in the front row of the photo, the fourth person from left to right. Her hair is pulled back and it is dark brown. She is wearing a black, sleeveless shirt that is purple in the center.
She sells new clothing for children and adults for a living. She buys her merchandise by the dozen in the commune of Estación Central.
She works at open markets Wednesdays, Thursdays, Saturdays, and Sundays and she sells from her home to neighbors and friends all other days.
She will use the loan to buy school clothes and school supplies, mainly for the month of March in the school year.
One of her goals is to have a permanent place to sell.
Valeria lives with her husband and her six-year-old son. One of her personal dreams is to have her own home, and to achieve this she has to save and receive subsidized housing.
She is very happy and thankful for the opportunity Fondo Esperanza has offered her, as it has allowed her to invest in her business. It has also helped her fulfill herself personally and share experiences with other group members in the communal bank. As far as the training sessions are concerned, she tells us that they have helped her plan out her business's accounting.
Lo Espejo is a commune located in the southwestern area of the metropolitan region (where Santiago, Chile's capital is located). It is worth noting that it is one of the most densely populated communes in the country. It's population growth began with the arrival of immigrants from other areas of the country looking for better opportunities in the 60s and 70s. This gave rise to significant neighborhoods that are still around, such as José María Caro, Santa Adriana, and Lo Valledor.
Valeria tesorera del grupo del Banco comunal, quien en la foto se encuentra en la primera fila de pié, ocupando el cuarto lugar de izquierda a derecha. Usa su cabello tomado, el cual es de color castaño oscuro. Usa una polera negra sin mangas y en el centro es de color morado.
Ella se dedica a vender ropa nueva de niño y adulto. Su mercadería la compra por docena en la comuna de Estación Central.
Trabaja los días miércoles, jueves, sábado y domingo en las ferias libres, el resto de los días vende desde su casa a vecinas y conocidos.
Con el crédito comprará ropa escolar y útiles escolares, principalmente para el mes de marzo temporada escolar.
Una de sus metas es tener un local establecido.
Valeria vive junto a su esposo y su hijo de 6 años de edad, uno de sus sueños a nivel personal es obtener su casa propia, para esto debe ahorrar y postular al subsidio habitacional.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además le ayudado ha realizarse personalmente y compartir experiencias con las demás integrantes del grupo del banco comunal. Respecto a las capacitaciones, comenta que le han ayudado a planificarse con la contabilidad de su negocio.
Lo Espejo es una comuna ubicada en el sector sur poniente de la región metropolitana (donde está Santiago, capital de Chile). Cabe destacar que es una de las comunas con más densidad poblacional del país. El crecimiento de su población comenzó con la llegada de inmigrantes provenientes de otras regiones del país en busca de mejores horizontes, en los años ´60 y ´70, dando origen a importantes poblaciones que aun se mantienen, tales como José María Caro, Santa Adriana, Lo Valledor.
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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