Santiago Bueras Group
Juan is a member of the Communal Bank group. In the photo, he is standing in the last row in the third position from right to left. He is seen wearing a blue pullover and his hair is cut short. Juan has been selling empanadas, bread, and pastries for the past five months. He says that he works every day from 8am to 8pm. His products are offered at his brother's business. The supplies and ingredients that he needs are purchased from different distributors and supermarkets at low cost, which is convenient for him financially. His loan will be used to buy flour, oil, yeast, raisins, and condiments for preparing empanadas and pastries. One of his goals is to continue his business in order to generate more income. This will enable him to have a better quality of life.
Juan lives with his brother who helps sell the pastries by offering them in his shop. His dreams are to grow as a micro-entrepreneur and to have a shop of his own. Juan is pleased with and appreciative of the opportunity Fondo Esperanza has provided by giving him a loan to invest in his business. In addition, he feels comfortable with his Communal Bank group and is determined to continue participating in the organization. He says that the training classes conducted during the meetings have helped him to do a better job of investing in his business.
Peñalolén is located west of the Metropolitana region. There are various attractions such as vineyards, historical buildings, and natural excursion sites. These elements have transformed this community into one of the newest tourist destinations in the Metropolitana region.
Juan, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en la última fila, ocupando el tercer lugar de derecha a izquierda, viste un poleron de color azul, su cabello lo usa corto.
Juan se dedica al rubro de venta de empanadas, pan y masas en general, desde hace 5 meses, comenta que trabaja todos los días desde las 8ºº hasta las 20ºº horas, sus productos los ofrece en el negocio de su hermano.
La mercadería e ingredientes que va necesitando los compra en diferentes distribuidoras y supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará harina, aceite, levadura, pasas, condimentos, para la preparación de sus empanadas y masas en general.
Unas de sus metas son continuar con el negocio, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Juan vive con su hermano quien le facilita las ventas de sus masas en su local. Sus sueños son crecer como microempresario y poder tener un local.
El está muy contento y agradecido de la oportunidad brindada por Fondo Esperanza, ya que el crédito le permitirá invertir en su negocio. Además se siente cómodo con el grupo del Banco Comunal del cual forma parte, lo cual lo motiva a seguir participando en la institución. Comenta además que las capacitaciones impartidas en las reuniones le han servido para invertir mejor en su negocio.
Peñalolén se localiza al oriente de la región metropolitana. Cuenta con diversos atractivos tales como viñas, edificios considerados patrimonio histórico y sitios naturales de excursión, elementos que están transformando a esta comuna en un nuevo panorama turístico dentro de la región Metropolitana.
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.
0View loans »
Success!! The loan was 100% repaid