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Surgir Con Esperanza Group
In this Group: Teresa, Laura, Magdalena, Juan, Eliana, Maria Teresa, Mauricio, Paulina, Betzabe, Johanna, Giovanna, Joselyn, Rossana, Marcela, Bertina, Karen, Priscilla, Myriam, Victor
This community bank is called “”Hope Arises”. It is made up of 19 members that are businesspeople who are dedicated to different types of businesses such as a roving salesperson, a salad vendor, a fish vendor, a vendor of masa (corn dough), a toy salesperson, an egg vendor and a toilet paper salesperson. All the members live in Valparaiso.
Teresa is the president of the community bank. In the photo she is seated in the first row, the person on the left. She is wearing a brown jacket and on her legs she has a blanket that is light blue and yellow. On her hair is a ponytail holder and her hair is light. She sells household goods and clothes from her home. In addition she has worked at a sports club for the past three years. She works from Tuesday to Sunday. Monday’s she does household chores. Her business is located in her home. In this business she sells home articles and clothes. At the sports club she sells sports items such as ping-pong balls, pool table cues and other items that people use at a sport’s club. The merchandise and goods that she needs, such as the household decorations, she buys from different distributors and from the supermarket. The goods for the club she buys wholesale in Santiago as this benefits her economically.
With this loan she will buy clothing and sports training items for the club. One of her goals is to be an administrator of a sports club. In this way she can sell her items without hassles. In this way she can obtain a better quality of life for her children.
Teresa lives with her mother and five children, ages 18. 17.15, 8 and 6. Her dream for her work is to have a boutique where she sells quality clothes, which will make her customers happy. She is very content and thankful for the opportunity provided by the foundation. She hopes they will allow her to invest in her business. The loan is essential for her business and also for her personal development. From this business she has learned how to organize and distribute her earnings and investments in a better way.
Valparaiso is located 120 kilometers to the northeast of Santiago. It is the regional capital and also the location of the legislature in the country. It is the first port of the nation and it has a great variety of beautiful and picturesque places such as the house of Pablo Neruda, the winner of the Noble Prize.
View original language description ↓
Este Banco Comunal se llama “Surgir con Esperanza” está conformado por 19 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; comerciantes ambulantes, venta de ensaladas, venta de pescado, amasandería, juguetes, venta de huevos, venta de papel higiénico. Todos ellos pertenecientes a la ciudad de Valparaíso.
Teresa presidenta del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el primer lugar de derecha a izquierda, viste una chaqueta de color café y en sus piernas lleva una frazada de colores celeste y amarillo, su cabello lo usa tomado y es de color claro.
Ella se dedica al rubro de ventas de confitería en su hogar y además trabaja en un club deportivo como encargada, desde hace 3 años. Comenta que trabaja de martes a domingo, el lunes lo dedica a su hogar, ubica su negocio en su casa donde vende diferentes artículos para el hogar y confitería, y en el club vende artículos de juegos como pelotas de ping pong, tacos para las mesas de pool, todo lo que sea diversión dentro del club.
La mercadería e insumos que va necesitando como en confitería compra en diferentes distribuidoras y supermercados y los insumos para el club compra en la ciudad de Santiago a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará confites y artículos de entretención para el club deportivo.
Una de las metas de Teresa es quedar a cargo del club deportivo para administrarlo y realizar las ventas de sus artículos tranquilamente, así con esto optar a una mejor calidad de vida para sus hijos.
Teresa vive junto a su madre y cinco hijos de 18, 17, 15, 8 y 6 años de edad. Sus sueños a nivel laboral son tener una boutique donde pueda vender ropa de calidad y satisfacer a su clientela.
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.
Valparaíso está situado a 120 kilómetros al noroeste de Santiago. Es la capital regional y además sede del poder legislativo del país. Es el primer puerto de la nación y ofrece gran variedad de lugares hermosos y pintorescos, como por ejemplo la casa del poeta Pablo Neruda, ganador del Premio Nobel.





Additional Information

About Fondo Esperanza

Fondo 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.

About Chile

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 469.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Surgir Con Esperanza Group's $4,525 loan helped a member to buy clothing and training items for the sports club.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 5, 2012
Listed
Sep 24, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013