Futuro Para Todos Group
Ruth is group delegate for the communal bank. In the picture, she is the second person from the left, sitting in the front row and wearing a plad coat in brown tones and a white scarf. She is carrying a black purse, has dark brown hair, and is wearing it down.
She has been in the esthetics business for six months. She says she works from home and other times she goes to her customers' homes. She works by the hour and organizes her schedule according to her availability, since she has small children. She buys her merchandise from a distributor specializing in beauty supplies. She will use the loan to buy creams, massage lotion, and slimming and toning plaster. One of Ruth's business goals is to have the opportunity of opening a beauty salon where she could serve her customers.
Ruth lives with her father, her sister, and her two children. One is twelve years old and the other is six months old. Her dream, on a business as well as a family level, is to grow as a person and provide means for her family, and to have her own home so that she can live with her family, who are her children.
She is very happy and grateful for the opportunity offered by Fondo Esperanza, because it will allow her to invest in her business. She says the trainings have been vital for her business and also for her personal development, because she has learned how to better organize and distribute her income and investments. Regarding her communal bank, she is very comfortable being a part of it because there is respect and unity.
Angol is located 80 miles northeast of Temuco, which is the capital of the ninth region, and 378 miles south of Santiago, Chile's capital. The name means "upward crawl" in mapudungun, which is the language of the mapuche people. Its residents work hard in agriculture and forestry, which are sectors that have currently gained relevance, particularly regarding the production of fruits and vegetables.
Ruth delegada del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el segundo lugar de izquierda a derecha, viste un chaquetón a cuadros de color café oscuro y claro, encima lleva puesto una bufanda de color blanca una cartera de color negra, su cabello es castaño oscuro y lo usa suelto.
Ella se dedica al rubro de la estética, desde hace 6 meses. Comenta que trabaja en su casa y otras veces se dirige a los domicilios de su clientela, trabaja por horas y su horario lo distribuye según su disponibilidad, ya que tiene niños pequeños.
Su mercadería la compra en una distribuidora que se especializa en vender productos de estética.
Con el crédito comprará cremas y loción para masajes y yeso para reducir y reafirmar.
Una de las metas de Ruth en su negocio, son tener la oportunidad de abrir un local como centro de estética, en el cual pueda atender a sus clientes.
Ruth vive junto a su padre, hermana y 2 hijos de 12 años de edad y de 6 meses de edad. Sus sueños a nivel laboral y familiar son crecer como persona y darle un buen pasa a su familia y logra tener su casa propia para vivir con su familia que son sus hijos.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que las capacitaciones han sido fundamentales para su negocio y también para su desarrollo personal, ya que ha aprendido a organizar y distribuir de mejor manera sus ingresos e inversiones. Respecto al grupo del Banco Comunal que forma parte se siente muy cómoda ya que existe respeto y unidad.
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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