Alcanzando Metas Group
Marianela is a member of this Communal Bank: in the picture she is on the left side of the group, the one with short black hair. She is wearing a black pullover, blue jeans and black moccasins. To better identify her, she is the one giving the peace V sign.
She has been selling silver jewels for 7 months. She works 4 days a week, and she can currently count on fixed customers thanks to the quality of her products and the good care she tends to her customers with.
She buys the jewels in difference shops because her aim is to buy exclusive jewels.
The loan she is requesting will be used to buy jewels at a wholesale price.
One of her long-term goals is to run a stable shop, in order to be more comfortable and also to offer a better service.
Marianela lives together with her two children aged 26 and 22, who work as employees, and with her 8-year-old niece.
She is very happy about and deeply grateful for the opportunity she has been offered by Fondo Esperanza, because the loan she has receive will help her invest in her activity.
On top of this, she feels very at ease with the meetings held by the Communal Bank, as she enjoys the company of her group and she uses what she learns about accounting in her job.
Chillán is a community located in the center south area of Chile. Its name means “chair of the sun” in mapudungun, the language of the Indians Mapuches. Chillán is also known as “the Fatherland’s cradle” or the “land of artists”, because some famous protagonists of Chilean history, like the famous pianist Claudio Arrau, were born here.
Marianela integrante del grupo del Banco comunal, quien en la foto se encuentra al costado izquierdo del grupo, usa su cabello corto el cual es de color negro. Además viste un chaleco color negro, jeans azules y mocasines color negro. Como referencia, está realizando el signo de la paz con su mano izquierda.
Ella se dedica a vender joyas de plata, desde hace 7 meses. Su horario de trabajo lo distribuye en 4 días a la semana. Actualmente ya cuenta con clientela fija, debido a la calidad de sus productos y buena atención por parte de Marianela.
Las joyas las compra en diferentes locales comerciales, ya que su objetivo es comprar joyas exclusivas.
Con el crédito comprará joyas al por mayor.
Una de sus metas a largo plazo, es instalarse con un local establecido, de manera de contar con una mayor comodidad y además entregar un mejor servicio.
Marianela vive junto a sus dos hijos de 26 y 22 años de edad, quienes trabajan de manera dependiente. Además vive con su nieta, quien tiene 8 años de edad.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo esperanza, ya que el crédito otorgado, le permitirá invertir en su negocio.
Además se siente muy cómoda con las reuniones impartidas en el Banco comunal, ya que disfruta de la compañía del grupo e incorpora aprendizajes de contabilidad a su negocio.
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.
0View loans »
Success!! The loan was 100% repaid