Los Conquistadores Group
Verónica is the president of the Community Bank, and in the photo above, she is standing in the front row, the fourth person in from left to right. She is dressed in blue pants and a black jacket, and is wearing glasses. Her hair is short and is down.
She makes a living operating a general store, which she opened over two years ago. Her husband sometimes works in the store with her. She purchases merchandise from distributors and supermarkets for resale in her store. With the support from this loan, she plans to purchase additional merchandise to stock her business. Her goals for the business are to continue growing and generating increased profits, and to improve her quality of life.
Verónica lives with her husband, and dreams of growing and continuing in her business. She is very grateful for the opportunity given her by Fondo Esperanza, and for their investment in her business. She also is very pleased with the group at the Community Bank, and feels that it is a unified group where the members have respect for one another and confidence in one another.
Recoleta is one of the 34 communities in the greater city of Santiago (the Capital of Chile), and is located in the north-central sector of the Santiago Metropolitan Region. It has an active business and trade district, which is located in the neighborhood of Patronato. The area has welcomed Arab immigrants initially, and now is receiving an influx of Korean immigrants.
Verónica, presidenta del grupo del Banco comunal, quien en la foto se encuentra de pie, ocupando el cuarto lugar de izquierda a derecha, viste pantalon azul, poleron negro, usa lentes y su cabello lo usa suelto.
Ella se dedica al rubro del comercio especificamente se ocupa de su almacén desde hace 2 años, algunas veces trabaja con su marido.
La mercadería que usa en su negocio la compra en distribuidoras de confites, distribuidora de lácteos, y en supermercados.
Con el crédito comprará materiales para su almacén.
Sus metas en su negocio son continuar para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Verónica vive junto a su madre y su marido. Sus sueños son seguir adelante con su negocio.
Ella está muy agradecida y contenta de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio. Además se siente muy cómoda con el grupo que participa, ya que son unidos, existe respeto y confianza.
Recoleta es una de las 34 comunas de Santiago (capital de Chile) y se encuentra ubicada en el sector centro-norte del Santiago, región metropolitana. Cuenta con un activo comercio, destacando el barrio comercial de Patronato que ha acogido principalmente a comerciantes árabes (en un principio) y coreanos (en la actualidad).
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