Fe Y Esperanza Group
María is the president of this community bank. In the photo, she is standing on the far right of the second row. She is wearing a coffee-colored top and has short, dark brown hair.
María has been making mosaics and selling dried fruit for three years. She says that that she works weekends in craft fairs and at other times outside malls. Her work hours vary according to her availability.
María buys her merchandise in different stores and supermarkets at low cost. This is financially convenient. She will use her loan to buy mosaic tiles, adhesive, resin, almonds, peanuts, walnuts and raisins with which to stock her business. One of María's business goals is to open premises from which she can serve her customers.
María lives together with her husband, her mother-in-law and her 12-year-old daughter who is in school. Her dream is to set up her own store so that she can earn more secure income. This will allow her to provide her family with a better quality of life.
María is very happy and grateful for the opportunity that Fondo Esperanza have given her as it has allowed her to invest in her business. She also feels very comfortable in the company of the other members of her community bank as they share different activities. The training sessions that are provided during meetings have taught her how to better run her business.
Peñalolén is located in the east of the Metropolitan region. It has a number of attractions such as its vineyards, historical buildings and natural sites where you can go on trips. These elements are turning this area into a new tourist destination within the Metropolitan region.
María, presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie en segunda fila, ocupando el primer lugar de derecha a izquierda, viste un poleron de color café, su cabello es de color castaño oscuro y lo usa corto.
Ella se dedica al rubro de la artesanía en mosaicos y a la venta de frutos secos, desde hace 3 años, comenta que trabaja los fines de semana en ferias artesanales, y otras veces en las afueras de los mall, y su horario de trabajo lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en diferentes distribuidoras y supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará cerámica para mosaico, pegamento, resina, almendras, maní, nueces, pasas, para abastecer su negocio.
Una de las metas de Maria en su negocio, son tener la oportunidad de abrir un local, en el cual pueda atender a sus clientes
Maria vive junto a su marido, suegra y su hija de 12 años de edad quien se encuentra estudiando. Sus sueños son establecer un local como una distribuidora para tener una renta más segura, así con esto optar a una mejor calidad de vida familiar.
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. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
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.
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Success!! The loan was 100% repaid