Ingrid, in the photo she is first from the left, dressed in gray pants, a white sweater, and over that a black coat, has a brown purse, her hair is black, and she is wearing it back.
She has been selling clothing and also has had gambling machines for 1 year. Her business is located in her own house. She usually buys her merchandise in the city of Santiago because it is much more convenient and has a large variety.
With the loan, she will buy a gambling machine and clothing merchandise.
Her goal is to have a store in the center of the city of San Antonio, so that she can earn a larger income. Ingrid lives with her husband and their young daughter. Her dream for her family is to have a store so that they can have a better quality of life.
Ingrid is very happy and grateful for the loan and the services provided by Fondo Esperanza. She also explains that she feels very comfortable in the meetings and her communal bank, because the members are generous and united.
San Antonio is a port in the region of Valparaíso. It is characterized by being a port city and being located on the central coast of Chile. Fishing and fish and seafood sales are important industries. Despite the port and commercial activities, there is a high rate of unemployment.
Ingrid quien en la foto se encuentra sentada ocupando el primer ligar de izquierda a derecha, vistiendo pantalón gris, polera blanca y encima lleva un chaleco color negro, usa una cartera color café, su cabello es de color negro y lo usa tomado.
Ella se dedica al rubro de venta de ropa y juegos de maquinas de azar, desde hace 1 año. Su local lo ubica en su propia casa.
Su mercadería usualmente la compra en la cuidad de Santiago, ya que es mucho más conveniente y con mayor variedad.
Con el crédito comprará una maquina de juegos de azar y mercadería para la venta de ropa.
Sus metas son tener un local en el centro de la ciudad de San Antonio, para generar mayores ingresos.
Ingrid vive junto a su marido y su hija pequeña. Sus sueños a nivel familiar son tener su local para optar a una mejor calidad de vida.
Ingrid está muy contenta y agradecida del crédito y servicios otorgados por Fondo Esperanza. Además comenta que se siente muy cómoda con las reuniones y grupo del Banco Comunal, ya que existe generosidad y unidad.
San Antonio es un puerto de la región de Valparaíso, siendo esta una de sus principales características, ubicado en el litoral central de Chile. Se desarrolla en forma importante la pesca y venta de pescados y mariscos. Pese a la actividad portuaria y comercial del puerto, existe un alto índice de cesantía.
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