Norte Grande Group
In the photo Adriana, a member of the communal bank, is standing in the first row, and she is the first person on the right. She is wearing a green sweater, her hair is dark brown, and she wears it down.
She has a variety store, and she has been working in this business for one year. She says that she works alone at her house. She works from Monday through Sunday from 3:00 p.m. until 12:00 a.m. She does not work in the morning because it is very slow, and she does not get much income.
She buys the merchandise she needs from distributors, grocery stores, and supermarkets. She buys at a low cost, which is financially desirable. She will use the loan to buy batteries, tapes, cardboard, soap, room fresheners, cologne, shampoo, and diapers.
One of Adriana’s goals is to continue with her business, to continue advancing, and to have her business stocked as much as possible. She also wants to buy a photocopier to be able to get more customers. She will do this to generate greater income and to have a better quality of life.
Adriana lives with her husband and a nine year old granddaughter. Her dream on a family level is to be able to finish fixing up her house in order to give her family a good life. On a work level her dream is to grow and to sell more each day in order to continue buying merchandise to stock.
She is very happy and grateful for the opportunity that Fondo Esperanza has given her. It has allowed her to invest in her business. She feels very comfortable in the company of the other entrepreneurs in her communal bank. They share different activities and interests, which have served to pass the time pleasantly. In regards to the trainings at the meetings, she has learned to run her business in a different manner.
Renca is a commune (municipality) located in the northwest area of the Santiago Metropolitan Region (Santiago is Chile's capital). It is a commune with a strong community focus, highlighted by the community television channel, Renca TV, created with the aim of promoting the commune's cultural and artistic activities.
Adriana, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el primer lugar de derecha a izquierda, viste un chaleco de color verde, su cabello es de color castaño oscuro y lo usa suelto.
Ella se dedica a la venta de bazar surtido, se desempeña en este negocio desde hace un año. Comenta que trabaja sola en su casa, trabaja de lunes a domingo y su horario es de 15ºº hasta las 24ºº, no trabaja en la mañana ya que es muy lento y no obtiene mucho ingreso.
La mercadería que va necesitando la compra en distribuidoras, bodegas y supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará pilas, cintas, cartulinas, jabón, desodorante ambiental, colonias, shampo y pañales.
Una de las metas de Adriana es continuar con su negocio, seguir surgiendo y tener lo mas surtido posible su negocio y comprar una fotocopiadora así poder captar más clientela, para generar mayores ingresos y optar a una mejor calidad de vida.
Adriana vive junto a su esposo y una nieta de 9 años de edad. Sus sueños a nivel familiar es poder terminar de arreglar su casa, para brindarle un buen pasar a su familia, y a nivel laboral crecer y vender cada vez más para seguir comprando mercadería surtida.
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, intereses, lo cual también le ha servido como un momento de distracción. Respecto a la s capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Renca es una comuna ubicada en el sector norponiente del Santiago (capital de Chile), región metropolitana. Es una comuna con un fuerte trabajo comunitario, entre lo que se destaca el canal de televisión comunitario “Renca TV”, creado con el fin de promover las actividades culturales y artísticas de 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