“Esperanza” (Hope) is the name of this communal bank. It is comprised of 18 entrepreneurs, who devote themselves to different trades such as baking, a bazaar or variety type store, grocery store, selling furniture, selling fast food, and services, among others. All of them are from the city of Chillan.
Rayner is the president of the group. In the photo he is seated in the first row, and he is the third person going from right to left. He is wearing blue jeans and a grey sweater, and he has a hat on his head.
He devotes himself to a variety of services such as photocopying, copying keys, and repairing cell phones, among others. He has been in this business for five months. He says that he works alone, and he works Mondays through Saturdays. His business is located in his house.
He will use the loan to buy materials like paper, chips for telephones, gift items, and cell phone cases in order to stock his business. His goals are to grow each day in his business, to stock it with a variety of merchandise, and to attract more customers. With this he will have a better quality of life.
Rayner lives with his wife and two daughters, who go to school. His dreams are to give his daughters a good education so that they will be great professionals in the future.
Rayner is very happy and grateful for the loan and the services given to him by Fondo Esperanza. Also, he says that he feels very comfortable with the meetings and the group in his communal bank. They are generous and united. Regarding the trainings given at the meetings, he has learned to run his business in a better way.
Chillán is a community in the central district of southern Chile. Its name means “Window of the Sun” in the Mapudungun language, which is spoken by the Maupuche indigenous people. Chillán is also known as the “Cradle of the Nation” and the “Land of Artists” because many well-known figures in Chile’s history were born there, such as the famous pianist Claudio Arrau.
Rayner, presidente del grupo del Banco Comunal, quien en la foto se encuentra sentado en primera fila ocupando el tercer lugar de derecha a izquierda, viste con jeans de color azul, chaqueta de color gris y lleva puesto un gorro en su cabeza.
El se dedica al rubro de bazar de servicios varios como fotocopiadora, copias de llaves, reparación de celulares entre otros, se ocupa de este negocio desde hace 5 meses, comenta que trabaja solo y que atiende de lunes a sábado, y su negocio lo ubica en su casa.
Con el crédito Comprará insumos como papeles, artículos de regalo, articulos de escritorio y toner para abastecer su negocio.
Sus metas son crecer día a día en su negocio y abastecerlo de gran variedad en mercadería para atraer más clientela, y con esto optar a una mejor calidad de vida.
Rayner vive junto a su esposa y 2 hijas quienes se encuentran estudiando. Sus sueños son darles una buena educación a sus hijas para que el día de mañana sean grandes profesionales.
Rayner está muy contento y agradecido del crédito y servicios otorgados por Fondo Esperanza. Además comenta que se siente muy cómodo con las reuniones y grupo del Banco Comunal, ya que existe generosidad y unidad. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau
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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