Esperanza Y Fe De Lampa Group
Patricia, the president of the Communal Bank, appears in the photo standing in the first row in the second position, going from left to right. She is wearing a blue fleece vest and has brown hair that is pulled down. Patricia sells cream-filled donuts, cupcakes, and other products. She has been in this business for six years. Patricia says that she works alone, but sometimes she has help from her daughter or her husband. The supplies and ingredients that she needs are purchased from distributors and supermarkets at low cost, which is convenient for her financially. With this loan, she will purchase a vehicle so that she can deliver her products to her customers and to different areas. One of her goals is to acquire a truck so that she can perform her work more easily. This will help her stay out of the cold during the winter and avoid the heat during the summer.
Patricia lives with her husband who works with her on occasion by driving his car to sell the completed products. Her 16-year-old daughter is studying. One of her personal goals is to have dental work done to fix her teeth. She also wants to prosper her business and increase her income in order to raise her family's standard of living. Patricia feels comfortable being a part of her Communal Bank since they are very unified and supportive.
Colina is a community in northern section of the region of Metropolitana (where the Chilean capital of Santiago is also located). This area is currently a center of major investment, primarily in the agro-industrial field. Due to the presence of many large and important companies, a great number of jobs have been created in the community. There are also recreational areas, which have contributed to the considerable increase in the number of residents. Colina also has adequate spaces for tourism, including spas, sports events at Laguna Piedra Roja, and mountain climbing.
Patricia, presidente del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila ocupando el segundo lugar de izquierda a derecha, viste con un poleron color azul, su pelo es de color castaño y lo usa suelto.
Ella se dedica al rubro del comercio en venta de berlines, queques, entre otros productos. Se desempeña en este negocio desde hace 6 años. Comenta que trabaja sola, algunas veces la ayuda su hija y su marido.
La mercadería e ingredientes que va necesitando los compra en distribuidoras y supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará un vehículo para poder movilizarse con su mercadería a su clientela y a diferentes partes.
Una de sus metas son adquirir una camioneta, ya que de esta manera trabajaría de una forma más cómoda, evitando el frio durante la temporada de invierno y el calor durante la temporada de verano.
Patricia vive junto a su marido quien trabaja algunas veces con ella ya que él trabaja en su carro de venta de completos, y su hija de 16 años quien se encuentra estudiando. Uno de sus sueños personal es poder arreglar su dentadura y a nivel familiar es prósperar en su negocio, para aumentar sus ingresos.
Ella está muy agradecida de la oportunidad brindada por Fondo Esperanza, ya que el crédito le permitirá invertir en su negocio. Además se siente cómoda con el grupo del Banco Comunal del cual forma parte, ya que es muy unido y solidario.
Colina es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada al norte de la misma. Actualmente es centro de importantes inversiones, principalmente en el área agro industrial, debido a la instalación de grandes e importantes empresas, que de paso entregan un gran número de empleos a la comunidad. Es también un área de parcelaciones de agrado, lo que ha contribuido a aumentar considerablemente el número de habitantes. También cuenta con espacios adecuados al turismo, tales como termas, deporte en la Laguna Piedra Roja y montañismo.
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