Violeta Parra Group
Carla is the Communal Bank secretary. In the photo, she is one of the people standing and is the person who is second from the right wearing a pink striped sweater. She has dark brown hair and has it pulled back.
Carla has managed a vending stall for the past two years. She says that she works at the open market where her mother has a vending stall. Carla sells socks of all sizes and colors for various ages. Her work schedule is based on when she is available. Whenever she needs merchandise, she buys from distributors and shops that have a wide variety of socks. With this loan, she will buy socks for all ages. One of Carla’s goals is to develop and grow her business so that she can generate more revenue. This will enable her to have a better quality of life.
Carla lives with her husband and their one-year-old son. Her personal dreams and those for her family include having a house of her own. With regard to her work, she hopes to do a good job of supporting her son and providing stability for her family. Carla is very pleased and appreciative of the opportunity that Fondo Esperanza has given her to invest in her business. In addition, she feels very comfortable being around other entrepreneurs in her Communal Bank who are committed and responsible. She has learned how to manage her business better as a result of the training classes conducted during the meetings.
Lo Espejo is a community that is located in the southwestern section of the Metropolitana region (where the Chilean capital of Santiago is located). It should be noted that Lo Espejo is one of the most densely populated communities in Chile. The growth of its population started in the 1960s and 1970s with the arrival of immigrants from other parts of the country who were in search of better opportunities. This rise led to the establishment of important towns that exist today such as José María Caro, Santa Adriana, and Lo Valledor.
Carla, secretaria del grupo del Banco Comunal, quien en la foto se encuentra de pie, ocupando el segundo lugar de derecha a izquierda, viste un chaleco de color rosado con rayas, su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de feriante, desde hace 2 años. Comenta que trabaja en ferias libres en el puesto de su madre, se dedica a vender calcetas de todos los tamaños y colores para todas las edades, su horario de trabajo es de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra en distribuidoras y locales donde encuentra gran variedad de calcetas.
Con el crédito comprará calcetas para todas las edades.
Una de las metas de Carla es surgir y crecer con su negocio, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Carla vive junto a su marido y su pequeño hijo de 1 año de edad. Sus sueños a nivel familiar y personal es tener su casa propia, y a nivel laboral darle un buen pasar a su hijo y una buena estabilidad familiar.
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 existe compromiso y responsabilidad. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar de mejor manera.
Lo Espejo es una comuna ubicada en el sector surponiente de la región metropolitana (donde está Santiago, capital de Chile). Cabe destacar que es una de las comunas con más densidad poblacional del país. El crecimiento de su población comenzó con la llegada de inmigrantes provenientes de otras regiones del país en busca de mejores horizontes, en los años ´60 y ´70, dando origen a importantes poblaciones que aún se mantienen, tales como José María Caro, Santa Adriana, Lo Valledor.
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.
0View loans »
Success!! The loan was 100% repaid