Flor Nacional Group
Lorena is the secretary of this Communal Bank group. In the photograph, she is seated in the second row and in the first position (from left to right). She is wearing a black jacket and has her hair down. Lorena is in the retail trade, selling a wide variety of new clothes to her customers. She has been in this business for two years. Lorena works with her husband. The merchandise she needs for her business is purchased from clothing distributors in the city of Santiago. She will use this loan to buy merchandise. Her goals for her business include continuing her growth so that she can open another vending post. Lorena lives with her husband and two children. She dreams of having a house of her own. Lorena is pleased with and appreciative of the opportunity Fondo Esperanza has given her to invest in her business. In addition, she feels comfortable participating in her group since the members are unified, respectful, and trustworthy.
San Bernardo is a city that is located 18 kilometers due south of the main square in Santiago (the Chilean capital). It is known as the folklore capital since it hosts the International Folklore Festival every January. This event highlights the various ethnic groups of the country and musical groups from all over South America gather there. Chilean artisans, as well as those from other countries nearby, also participate in the Traditional Craft Fair. In the month of April, an event called "Abril Cuecas Mil" celebrates the "cueca" (a traditional Chilean dance) throughout the entire community.
Lorena, secretaria del grupo del Banco Comunal, quien en la foto se encuentra sentada en segunda fila ocupando el primer lugar de izquierda a derecha, viste chaleco negro, su cabello lo usa suelto.
Ella se dedica al rubro del comercio en ventas de ropa nueva de gran variedad para su clientela, se ocupa de este negocio desde hace 2 años, trabaja con su esposo.
La mercadería que va necesitando para su negocio la compra en distribuidoras de ropa en la ciudad de Santiago.
Con el crédito comprará mercadería chalecos, buzos, poleras de diferentes tallas y modelos .
Las metas en su negocio son seguir creciendo para poder tener otro puesto. Lorena vive junto a su marido y sus 2 hijos y no de sus sueños son tener una casa propia.
Ella está muy contenta y agradecida 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.
San Bernardo es una ciudad, ubicada a 18 km. en línea recta hacia el sur desde la plaza de armas de Santiago (capital de Chile). Es conocida como la capital del folklore, debido a que cada año, en enero, se realiza el "Festival Internacional del Folklore", un evento en el que las raíces del país se dan cita y se reúnen agrupaciones musicales de toda Sudamérica. También se desarrolla la "Feria de Artesanía Tradicional", en la que participan tanto artesanos chilenos como de otros países cercanos. Luego en abril se realiza el evento “Abril cuecas Mil” que consiste en hacer bailar cueca (baile tradicional chileno) a toda la comuna.
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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