Agua De Peumo Group
Luisa is a member of the community bank. In the picture, she is standing in the first row, in the second spot from right to left. She has a black jacket and has a brown purse on top of her jacket. Her hair is dark brown. She has worked selling from a kiosk for three years. It is located inside a school in Chillán where the sales are very good. She says that sometimes her husband helps since he also has to do his work. Her schedule is from 8:00am until 5:00pm from Monday to Friday. She purchases her ingredients and merchandise at supermarkets and distributors at low cost, which is financially desirable. She will use this loan to purchase items such as french fries, cookies, candy, Chocman candy, and to fix the floor of her kiosk. Her goals are to continue with her kiosk business and to be able to expand it and begin selling fruit to the students.
Luisa lives with her husband, her two children (aged 1 and 5 years old), and her godmother. Her dreams are to expand her kiosk and generate other income by selling jewelry since her children are growing up, which increases the need to give them a a better quality of life.
She is very happy and thankful for the opportunity provided by Fondo Esperanza to invest in her business. She is also feels very comfortable with her community bank, since the people are united, respectful, and trustworthy. She also says the trainings that are provided have led her to invest more in her business.
Chillán is a town in the south-central area of Chile. Its name means "sun chair" in Mapudungun, the language of the indigenous Mapuches. Chillán is known as the "Cradle of the Nation" or "Land of the Artists", since many important people in the history of Chile have been born there, including the well known pianist Claudio Arrau.
Luisa, integrante del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el segundo lugar de derecha a izquierda, usa una chaqueta de color negro y lleva cruzada una cartera de color cafe encima de la chaqueta, su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de venta de kiosko, desde hace 3 años, lo ubica dentro de un liceo donde las ventas son muy buenas, en la ciudad de Chillan. Comenta que a veces la ayuda su marido, ya que el tambien debe cumplir con su trabajo, su horario es de 8ºº hasta las 17ºº horas de lunes a viernes.
Su mercadería e insumos que va necesitando los compra en supermercados y distribuidoras de confites a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará confites como papas fritas, galletas, dulces, chocman y arreglar el piso de su kiosko.
Sus metas son continuar con el negocio del kiosko, y poder ampliarlo y agregar venta de frutas para los escolares.
Luisa vive junto a su esposo, sus 2 hijos de 5, y 1 año de edad y su madrina. Sus sueños son ampliar su kiosko y generar otros ingresos como vendiendo joyas ya que los hijos van creciendo y al mismo tiempo crece la necesidad de darles un buen pasar, así con esto optar a una mejor calidad de vida.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio. Además se siente muy cómoda con el grupo que participa, ya que son unidos, existe respeto y confianza. Comenta además que las capacitaciones impartidas le han servido para invertir mejor en su negocio,
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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Success!! The loan was 100% repaid