Creciendo Con Esperanza Group
Patricia, a delegate of the communal bank, can be found standing in the photo in the front line, occupying the spot second from the right, dressed in black pants and wearing a green jacket on top, and a dark brown purse. Her hair is pulled back and is dark brown.
She has made a living for three months through office supply sales. She comments that she works in a store which she rents. She works from Monday through Saturday, and she distributes her schedule according to her availability. The goods and supplies that she needs she buys in the city of Santiago from distributors and importers at a lower cost, and therefore are economically convenient.
With the loan she will buy decorations for national holidays such as handkerchiefs, dresses, and dance costumes- decorations to supply her store.
One of Patricia’s goals is to lease a larger store and to have more merchandise stocked to sell, and with this generate higher income and have a better quality of life.
Patricia lives with her husband and niece. Her dreams for her work are to continue working with her business and have a lot of merchandise, and for her family are that her daughter finish her professional career in order to see her job completed.
She is very happy and thankful for the opportunity provided by Fondo Esperanza since it will allow her to invest in her business. Respecting the community bank of which she is a part, she comments that there is very good communication. Also, the training has allowed her to learn new strategies for sales and accounting.
Chillán is a community in the central southern zone of Chile. Its name means “seat of the sun” in Mapudungun, the language of our Mapuche Indians. Chillán is known as the “Cradle of the Homeland” or “Land of the Artists,” owing to the fact that prominent figures from Chile’s history were born in the city, such as, for example, the famous pianist Claudio Arrau.
Patricia , delegada del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el segundo lugar de derecha a izquierda, viste pantalón de color negro, encima lleva una chaqueta de color verde, usa cartera de color café oscuro, su cabello lo usa tomado y es de color castaño oscuro.
Ella se dedica al rubro de venta de bazar, desde hace 3 meses. Comenta que trabaja en un local, el cual lo arrienda, se desempeña en su rubro de lunes a sábado y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando los compra en la ciudad de Santiago en distribuidoras e importadoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará adornos para las fiestas patrias como pañuelos, vestidos y trajes de baile, adornos para abastecer su local.
Una de las metas de Patricia es arrendar un local más grande y tener mas mercadería surtida para vender, así con esto generar mayores ingresos y tener una mejor calidad de vida.
Patricia vive junto a su marido y su sobrina. Sus sueños a nivel laboral continuar con el rubro y tener mucha mercadería, y a nivel familiar que su hija termine su carrera profesional, para ver su tarea cumplida.
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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