La Luz Del Mañana Group
Tusnelda is the president of the communal bank group. In the picture, she is the fourth person from right to left standing in the first row, wearing blue jeans and a light brown plaid jacket, and carrying a red purse. She has light brown hair and is wearing it up.
She has been working as a merchant, particularly selling housewares, specifically sheets for the past five months. She says she works every day and generally sets up shop in the markets. She organizes her business schedule according to her availability. She usually purchases her merchandise in the city of Santiago, from low-cost distributors, which is consequently more convenient financially.
Her goals for this loan are to keep the business going so that she can generate more income and have access to a better quality of life.
Tusnelda lives alone, since her children are adults and have started their own families. As far as work, her dream is to be able to open an established business so that she can offer her customers better service.
She is very happy and grateful for the opportunity that Fondo Esperanza has given her, because it has allowed her to invest in her businesss. She also feels very comfortable in the company of her fellow entrepreneurs at the communal bank group, since they all share different activities and interests, which have served as a moment of leisure. As far as the trainings she has attended, she has learned to better manage her business.
Chillán is a town in the southern area of central Chile. The name means "chair of the sun" in mapudungun, the language of our indigenous people, the mapuches. Chillán is known as the "cradle of the country" and a "land of artists," because many prominent characters from the history of Chile were born here, such as the famous pianist Claudio Arrau, for example.
Tusnelda, presidenta del grupo del Banco Comunal quien en la foto se encuentra de pie en primera fila, ocupando el cuarto lugar de derecha a izquierda, viste blue jeans y una chaqueta cuadrille de color café claro y usa una cartera de color rojo, su cabello es de color castaño claro y lo usa tomado.
Ella se dedica al rubro del comercio específicamente a la venta de ropa de casa específicamente sabanas, desde hace 5 meses. Comenta que trabaja todos los días y se ubica generalmente en las ferias y su horario de trabajo lo distribuye de acuerdo a su disponibilidad.
Su mercadería usualmente la compra en la ciudad de Santiago en distribuidoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito Sus metas son continuar con el negocio, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Tusnelda vive sola, ya que sus hijos son grandes y formaron su familia. Sus sueños a nivel laboral son poder instalar un local establecido para una mejor atención a su clientela.
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 e intereses, lo cual le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas, 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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Success!! The loan was 100% repaid