Estrella Del Sur Group
Hugo, the president of the Communal Bank, is seen standing in the photo. He is the only male member of the Communal Bank. He sells perfumes and has been in this business for seven months. Hugo works by himself. The merchandise he will be needing will be purchased in Santiago. He plans to acquire a wide variety of products for his business. With this loan, he will buy all of the supplies that he needs for working in his business. His business goals include opening a shop in the center of Valdivia.
Hugo lives with his wife, who works as a sales executive (for a telephone company). His 23-year-old daughter works and studies. Hugo dreams of having a public company. He is very pleased with and appreciative of the opportunity provided by Fondo Esperanza to invest in his business. In addition, he is very satisfied to be participating in a group in which the members are unified and reliable.
Valdivia is a city in southern Chile and is located in the region of Los Ríos. This area is known for having one of the few navigable rivers in Chile, the Calle Calle. Valdivia's main industries include ship builders, lumber mills, paper processing plants, cellulose plants (Celco), breweries, and grain mills, as well as educational institutions led by the Southern University of Chile.
Hugo Presidente del grupo comunal, quien en la foto se encuentra de pie y es el unico hombre que conforma el Banco Comunal.
El se dedica al rubro de ventas de perfume, se ocupa de este negocio hace 7
Meses, el cual trabaja solo.
La mercaderia que va necesitando la compra generalmente en Santiago ya que encuentra gran variedad de productos para su negocio.
Con el credito comprara todos los insumos que necesita para trabajar en su negocio.
Las metas en su negocio, es poder abrir un local en el centro de Valdivia.
Hugo vive junto a su esposa quien tabaja como Ejecutiva de Ventas (Empresa de telefonia), y su hija de 23 años quien trabaja y estudia. Sus sueños son poner una Empresa de Publicidad.
El esta muy contento y agradecido de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio, Ademas esta muy satisfecho con el grupo que participa, ya que son unidos y cumplidores
Valdivia es una ciudad del sur de Chile, ubicada en la región de Los Ríos. Se destaca por tener uno de los pocos ríos navegables de Chile, el Calle Calle. Valdivia presenta, dentro de sus principales actividades económicas, la industria de la construcción naval, maderera, papelera, celulosa (Celco), cervecera y molinera. El turismo desempeña un papel importante, como también los servicios educacionales universitarios, encabezados por la Universidad Austral de Chile.
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