El Arca De La Fe Group
Doris is the President of this Communal Bank Group. In the picture she is standing at the back of the group, occupying the sixth place from left to right. She is wearing a white blouse, two big grey earrings, and she is wearing her dark hair down.
She has been engaging in arts and decorations, specifically in painting pictures, for 2 years. She works Mondays to Sundays, her working hours depending on her availability. She has two workplaces: one is a locale close to where she lives and the other is a workshop she has set up in her own house.
She generally buys her products in bookstores and wood supplying companies, as they sell at low prices and this is economically convenient for her.
The loan she is requesting will be used to buy natural basic materials and acrylics to paint her pictures.
Two of the goals Doris has for her activity are to have more pictures to sell and to make new advertisements for her shop in order to bring it to everybody’s attention.
Doris lives with her husband and their three children aged 14, 6 and 5. She dreams of having her own house and of succeeding in setting up a locale in the city center in order to offer a better standard of living to her family.
She is very happy and deeply grateful for the opportunity she has been given by Fondo Esperanza, as this will help her investing in her activity. She says that there is good communication in the Communal Bank she is a member of; on a different note, the seminars have helped her learning new selling and accounting strategies.
Chillán is a commune in the south-central part of Chile. Its name means “Seat of the Sun” in Mapudungun, the language of our indigenous Mapuches. Chillán is known as the “Cradle of the Fatherland” or “Land of Artists” because many outstanding figures in Chilean history were born in this city like, for example, the well-known pianist, Claudio Arrau.
Doris, presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie hacia el fondo del grupo, ocupando el sexto lugar de izquierda a derecha, viste una blusa blanca, lleva puesto unos aros grandes de color gris, su cabello es oscuro y lo usa suelto.
Ella se dedica al rubro de arte y decoración, específicamente pinta cuadros, desde hace 2 años. Se desempeña en su rubro de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad. Su negocio lo ubica en dos partes, uno es un local cerca de donde vive, y el otro es un taller que lo ubica en su propia casa.
Su mercadería usualmente la compra en librerías y distribuidoras de maderas, a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprará materia prima (materia extraída de la naturaleza), acrílicos para pintar sus cuadros.
Una de las metas de Doris en su negocio es tener más cuadros para la venta, hacer nuevas propagandas para su local para que sea más visible a todas las personas.
Doris vive junto a m su esposo y sus tres hijos de 14, 6 y 5 años de edad. Sus sueños son tener su casa propia y poder habilitar un local en el centro para darle a su familia una mejor calidad de vida.
Ella se encuentra muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
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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