Manitos Magicas Group
Katty belongs to the comunal bank and is the chairperson. In the photo she is seen in the box at the upper left. She works in the woven handicraft sector and has run her business for seven years. She works Mondays to Friday. She is the one who sometimes goes to visit her customers' homes.
She buys the merchandise she needs in the city of Concepción, and other times in the city of Puerto Montt. With the loan she will buy wool. Her business goals are to have her own shop for better serving her clientele.
Katty lives with her husband and her four children, and one of her dreams is to fulfill herself as a woman and to give her children a very good education.
She is very happy and grateful for the opportunity that Fondo Esperanza has offered her, as it has allowed her to invest in her business. As well, she feels very comfortable in the company of the other entrepreneurs in the communal bank group, as they share various activities and interests. It has also served as an enjoyable activity for her. With the training provided in the meetings she has learned to run her business better.
Chiguayante is a commune located in the south of Chile, near the city of Concepción, in Biobío region. Its name comes from mapudungun (mapuche language) and means “sun through mist". Due to its mountainous surroundings it has a temperate maritime climate. Its economic activity is mainly commercial.
Chiguayante had been created as a commune in 1925, but for various reasons it later joined with Concepción. Its existence in that period lasted less than two years. In 1996 it was again created as a commune, and remains so to the present day.
Katty, forma parte del Banco Comunal como presidenta, quien en la foto se encuentra en el recuadro superior izquierdo. Ella se dedica al rubro de artesanía en tejidos, se ocupa de este negocio desde hace 7 años, trabaja de lunes a viernes ella es quíen a veces se dirige a los domicilios particulares de sus clientes.
La mercadería que va necesitando la compra en la ciudad de Concepción y otras veces en la ciudad de Puerto Montt.
Con crédito comprará lanas.
Las metas en su negocio son tener un local propio para una mejor atención a su clientela.
Katty vive junto a su marido y sus 4 hijos y uno de sus sueños son realizarse como mujer y dar una muy buena educación a sus hijos.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo del Banco Comunal, ya que comparten diferentes actividades, intereses, lo cual también le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administra su negocio de mejor manera.
Chiguayante es una comuna ubicada al sur de Chile, cerca de la ciudad de Concepción, región del Biobío. Su nombre proviene del mapudungun (lengua mapuche) y significa “sol entre neblina”. Debido a su entorno montañoso posee un clima templado oceánico. Su actividad económica es principalmente comercial. Chiguayante había sido creada como comuna el año 1925, pero por diversas razones se unió luego a Concepción. Su existencia en esa época duró menos de dos años. El año 1996 se crea nuevamente como comuna, existiendo hasta el día de hoy.
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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