Quince Mas Uno Group
Katherine, a member of the communal bank, is located in the photo standing, first on the left, dressed in blue pants, black shoes and a black jacket, and with long, dark brown hair worn loose. She works selling interactive cushions (cushions in the form of animals, little cars, especially for small children). She has worked in this field for 6 months, and works every day.
Her merchandise is purchased from fabric distributors in the community of Independencia, a city located in Santiago.
With the loan she will buy fabric, thread and needles to make more cushions that her customers are requesting.
Her goals are to grow her business and to be able to expand, in order to earn more income, and thus to aim for a better quality of life.
Katherine lives with her two daughters, aged 6 and 3. Her dreams are to get ahead every day and to have stability in her business and be able to work with large, prestigious companies.
She is very happy with and grateful for the opportunity that Fondo Esperanza has offered her to invest in her business. She also feels very comfortable with the group that participates, as they are united and there is respect and trust.
Conchali is a community in the north of the metropolitan region (where Santiago, the capital of Chile, is located). It has a defined industrial district and a number of small economic and commercial acitivites, including markets, artesanal workshops, garages and bus terminals, among others. The microempresarial sector is very important in its commercial activity.
Katherine, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie, ocupando el primer lugar de izquierda a derecha, viste un pantalón color azul, zapatos negros, chaqueta de color negra, su cabello es largo de color castaño oscuro y lo usa suelto.
Ella se dedica al rubro de ventas de cojines interactivos (cojines con forma de animales, autitos, especiales para niños pequeños), se dedica a este rubro desde hace 6 meses, trabaja todos los días.
Su mercadería la compra en distribuidoras de telas en la comuna de independencia ciudad ubicada en Santiago.
Con el crédito comprará telas, hilos, agujas para hacer más cojines interactivos que su clientela le va solicitando.
Sus metas son crecer con su negocio y poder expandirse, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Katherine vive junto sus 2 hijas de 6 y 3 años. Sus sueños son superarse cada día que pasa y tener una estabilidad dentro de su negocio y poder trabajar para empresas de gran prestigio.
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.
Conchalí es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada hacia el norte de la misma. Posee un barrio industrial delimitado, y múltiples actividades económicas y comerciales de pequeño tamaño, incluyendo ferias libres, talleres artesanales, garajes, terminales de buses, entre otros. El sector microempresarial es muy relevante en su actividad comercial.
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