Visión Hacia El Futuro Group
Update on Visión Hacia El Futuro GroupThis community bank is called 'Visión Hacia el Futuro'. It has 21 members who are all entrepreneurs. They all work in different fields including making pottery, selling woodchips, making clothing, providing an electronic games service, selling groceries, selling plants, selling lingerie and selling household items. They all live in the town of Chillán.
Viviana is the bank's treasurer. In the photo she is standing on the far left, wearing a red top, with her black hair tied back.
Viviana has been providing a laundry service for three years. She works flexible hours on a weekend as her regular customers work in a pulp mill. She says that her peak season is winter.
Viviana works from home where she has two washing machines. She uses different cleaning products, specifically detergents, bleach for coloreds and whites and also fabric softener. She buys all this merchandise in supermarkets. She will use her loan to buy detergents so that she can continue providing a laundry service.
One of Viviana's goals is to make her business official and she is already completing the necessary paperwork. Viviana lives together with her husband and her two daughters who are 7 and 5 years old. Her dream, on a personal level, is to buy her own home. She has applied for a housing grant and her new house is in the process of being built.
Viviana is very happy and grateful for the opportunity provided by Fondo Esperanza as it will allow her to invest in her business. She feels very comfortable with her community bank as they carry out activities as a team and the members are all very committed. The training sessions have helped her to learn how to better manage her business and her income.
Chillán is a town in the central-south region of Chile. Its name means 'Chair of the Sun' in Mapundungun (the language of our Mapuche ancestors). Chillán is known as 'The Cradle of the Nation' or 'The Land of Artists' owing to the fact that it is the birthplace of a number of notable Chileans such as, for example, the well-known pianist Claudio Arrau.
Viviana tesorera del grupo del Banco comunal, quien en la foto se encuentra en la primera fila de pie, ocupando el primer lugar de izquierda a derecha, usa una polera color rojo y su cabello está recogido, el cual es de color negro.
Ella se dedica a brindar servicios de lavandería, desde hace tres años. Trabaja los fines de semana en horario flexible, ya que sus clientes fijos son trabajadores de una planta de celulosa. Comenta que la temporada de más alta demanda es durante el invierno.
Trabaja desde su casa y ahí cuenta con dos lavadoras. Utiliza diferentes productos de limpieza, específicamente detergente, cloro para ropa color y blanca, además de suavizante para la ropa. Toda esta mercadería la compra en supermercados.
Con el crédito comprará detergente para continuar prestando servicios de lavandería.
Una de sus metas es formalizar su negocio, para esto ya se encuentra realizando los trámites necesarios.
Viviana vive junto a su marido y sus dos hijas de 7 y 5 años de edad. Sus sueños a nivel personal son obtener su casa propia, ya que postuló al subsidio habitacional y la construcción de su nueva vivienda está en proceso.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo esperanza, ya que le permitirá invertir en su negocio.
Respecto al grupo del Banco comunal ella se siente muy cómoda, ya que comparten actividades en conjunto y los integrantes son muy comprometidos.
Por otro lado las capacitaciones le han servido para aprender administrar de mejor manera su negocio e ingresos.
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.
Previous Loan DetailsThis communal bank is called “Visión Hacia el Futuro,” it is made up of 16 entrepreneurs who are all in different lines of work like selling clothes, selling fast food, and metalworking among other things. They all live in the city of Chillán. Yareany is an integral part of the communal bank. ... More from Visión Hacia El Futuro Group's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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