Progresando Juntos Group
Erna, who is the president of the communal bank, is standing in the first row in the picture. She is the first one, going from left to right, and is wearing black pants and a black jacket. She wears a handmade bag over her shoulder and in her hands she has a folder. She has big earrings, and her hair is brown and is tied back.
She works in the area of buying, selling, and making clothing to wear, specifically polar (fleece) pants (pants made with a warm fabric for the winter season) and has been doing this for 15 years. She comments that she works with her mother from a cart that is located in the center of the San Bernardo area. Her working hours are from 9:00 am until 7:00 pm from Monday to Saturday.
She buys her merchandise in the Independencia area (located in the city of Santiago), where they specialize in the sale of fabrics for making clothing at low cost and thus economically convenient. With the loan she will buy men's and women's clothing for the winter season.
One of Erna's goals for her business is to be able to rent a shop, since in this way she could work more comfortably, avoiding the cold during the winter and the heat during the summer. Erna lives with her mother, her husband, and their two children, ages 18 and 24. Her dream for her work is to have the possibility of renting a shop to generate greater income, and her dream for her family is to see her children finish their education and graduate, and thus see her work completed.
Erna is very happy and grateful for the loan and the services offered by Fondo Esperanze. In addition, she comments that she feels very comfortable in the meetings and in her communal bank group, since there is generosity and unity.
San Bernardo is a city located 18 km in a straight line to the south from the Plaza de Armas in Santiago (the capital of Chile). It is known as the capital of folklore, because every year in January, they hold the International Festival of Folklore, an event in which the ethnic groups of the country gather and meet with musical groups from all of South America. The Traditional Art Fair has also developed, in which Chilean artists as well as those from other countries participate. Then in April they hold "Abril Cuecas Mil," in which the entire community dances the cueca, a traditional Chilean dance.
Erna, presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el primer lugar de izquierda a derecha, viste un pantalón y un chaleco de color negro, lleva cruzado un bolso artesanal y en sus manos sostiene una carpeta, usa aros grandes y su cabello es de color castaño claro y lo usa tomado.
Ella se dedica al rubro de compra, venta y confección de ropa de vestir específicamente pantalones polares (tela abrigadora para temporada de invierno), desde hace 15 años. Comenta que trabaja con su mama en un carrito que lo ubica en el centro de la comuna de San Bernardo, su horario de trabajo es de 09ºº hasta las 19ºº horas de lunes a sábado.
Su mercadería la compra en la comuna de Independencia (ubicada en la ciudad de Santiago) donde se especializa en ventas de telas para confección de ropa, a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprará ropa de temporada de invierno para varón y damas.
Una de las metas de Erna en su negocio, es poder arrendar un local, ya que de esta manera trabajaría de una forma mas cómoda, evitando el frio durante la temporada de invierno y el calor durante la temporada de invierno.
Erna vive junto a su madre, esposo y sus 2 hijos de 18 y 24 años de edad. Sus sueños a nivel laboral son tener la posibilidad de arrendar un local para generar mayores ingresos, y a nivel familiar ver a sus hijos que terminen sus estudios y se titulen, para ver su tares cumplida.
Erna está muy contenta y agradecida del crédito y servicios otorgados por Fondo Esperanza. Además comenta que se siente muy cómoda con las reuniones y grupo del Banco Comunal, ya que existe generosidad y unidad.
San Bernardo es una ciudad, ubicada a 18 km. en línea recta hacia el sur desde la plaza de armas de Santiago (capital de Chile). Es conocida como la capital del folklore, debido a que cada año, en enero, se realiza el "Festival Internacional del Folklore", un evento en el que las raíces del país se dan cita y se reúnen agrupaciones musicales de toda Sudamérica. También se desarrolla la "Feria de Artesanía Tradicional", en la que participan tanto artesanos chilenos como de otros países cercanos. Luego en abril se realiza el evento “Abril cuecas Mil” que consiste en hacer bailar cueca (baile tradicional chileno) a toda la comuna.
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