Weichafe Ruka Group
Elizabeth is the president of the communal bank. She can be seen kneeling in the photo, and she is wearing a black shirt with white letters. Her hair is black, and she wears it pulled back. She devotes herself to baking. Specifically, she has been making cakes and pastries for four years. She says that her mother helps her work from Mondays through Fridays. She makes her work schedule according to her availability because his daughter is little. She buys her merchandise at different supermarkets in the city and at cake pan distributors.
She will use the loan to buy flour, eggs, cooking oils, butter, and decorations to make her cakes. One of Elizabeth’s goals in her business is to have the opportunity to set up a spacious area in her own house where she could tend to her customers.
Elizabeth lives with her parents and her nine month old daughter. Her dream, on a work level, is to set up a suitable place to sell cakes and pastries. She wants to do this in order to generate greater income and adopt a better quality of life for her family.
She is very happy and grateful for the opportunity given to her by Fondo Esperanza. The loan will allow her to invest in her business. Also, she feels comfortable with her communal bank, which motivates her to continue participating in the institution. She says that in addition to the trainings, they have been useful to her in investing better in her business.
Angol is located 128 kilometers to the northeast of Temuco (capital of the ninth region) and 608 kilometers to the south of Santiago (capital of Chile). In Mapudungun (language of the Mapuche pueblo) its name means “Climb Up”. Its inhabitants are vigorously devoted to farming and forestry. These areas have currently taken on importance, especially those involving fruit and vegetable production.
Elizabeth, presidenta del grupo del Banco Comunal, quien en la foto se encuentra en cuclillas, vistiendo un poleron de color negro con letras blancas, su cabello es de color negro y lo usa tomado.
Ella se dedica al rubro de repostería, específicamente en tortas y pasteles, desde hace 4 años. Comenta que trabaja con la ayuda de madre, de lunes a viernes y su horario de trabajo lo distribuye de acuerdo a su disponibilidad, ya que su hija es pequeña.
Su mercadería la compra en diferentes supermercados de la ciudad, y en distribuidoras de moldes para tortas.
Con el crédito comprará harina, huevos, aceites, mantequilla, decoraciones, para realizar sus tortas.
Una de las metas de Elizabeth en su negocio, son tener la oportunidad de instalar un local amplio en su propia casa, en el cual pueda atender a sus clientes.
Elizabeth vive junto a sus padres y su hija de 9 meses de edad. Sus sueños a nivel laboral es instalar un local apto para ventas de tortas y pasteles, para generar mayores ingresos, así con esto optar a una mejor calidad de vida para su familia.
Ella está muy contenta y 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, lo cual la motiva a seguir participando en la institución. Comenta además que las capacitaciones en las reuniones le han servido para invertir mejor en su negocio.
Angol se ubica a 128 km. al noroeste de Temuco (capital de la novena región) y a 608 km. al sur de Santiago (capital de Chile). Su nombre significa en mapudungun (lengua del pueblo mapuche) “subida a gatas”. Sus habitantes se dedican fuertemente a labores agrícolas y silvo agropecuarias, áreas en las que actualmente han adquirido relevancia, particularmente, aquellas vinculadas a la producción frutícola y hortícola.
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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