Las Topacios Group
Andrea, the president of the Communal Bank, is seen in the photo standing in the first position from left to right. She is wearing a blue-colored jacket and has her hair taken back. Andrea is in the craft trade, specifically selling woven products and providing various services, such as preparing marmalades of various seasonal fruits. She has been in these businesses for 14 years. The merchandise and ingredients that she needs are purchased in the cities of Valdivia and Santiago. With this loan, she plans to remodel the shop in which she works so that she can offer her products. Her goals for her business include continuing to grow so that she can open more shops.
Andrea lives with her husband and young daughter. One of her dreams is to expand with more shops. She is grateful for the opportunity Fondo Esperanza has given her to grow her business. In addition, she is comfortable with her group, whose members demonstrate respect and trust.
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. Tourism also plays a vital role, as well as educational institutions led by the Southern University of Chile.
Andrea, presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie ocupando el primer lugar de la fila de izquierda a derecha, viste un chaqueta de color azul, su cabello lo usa tomado.
Ella se dedica al rubro de artesania especificamente tejidos y servicios varios preparando mermeladas de frutas de la temporada, se ocupa de estos negocios desde hace 14 años.
La mercaderia e ingredientes que va necesitando los compra en las ciudades de Valdivia y Santiago.
Con el credito arreglara su local en donde trabaja para ofrecer sus productos.
Las metas en su negocio son seguir creciendo para poder tener mas locales.
Andrea vive con su marido y su pequeña hija y uno de sueños es ampliar sus locales.
Ella esta agradecida de la oportunidad que le brinda Fondo Esperanza para crecer con su negocio. Ademas se encuentra comoda con el grupo, ya que existe respeto y confianza.
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