Gabriela is a member of this communal bank group. In the picture, she is standing in the back row, in the second place from left to right. She is wearing a purple sweatshirt and black sweat pants with white stripes. Her hair is dark brown and wears it tied up.
She is engaged in fast food for one month. She says she works Monday through Saturday in an establishment near her home. She works alone and her schedule is distributed according to her availability. She sells steaks, hot dogs and French fries. She buys merchandise and ingredients she uses in supermarkets, butcher shops, and low cost potatoes distributors, therefore economically convenient.
With the loan she will buy beverages, avocados, mayonnaise, and cheese. One of Gabriela's goals is to continue with the business to generate more income, and with this achieve a better quality of life.
Gabriela lives alone. Her dreams on a personal level are to have her own home, and on a work level to grow with her business and attract more customers. She is very happy and grateful for the opportunity provided by Fondo Esperanza, because it will allow her to invest in her business. For the group of the communal bank which she is a member, she says it has very good communication. Furthermore, the training has helped her to learn new sales strategies and accounting.
Temuco is the capital of the region of Araucanía. The city is located 670 km south of Santiago (capital of Chile). In the surroundings, there are a number of lake spas (Pucón, Villarrica) and native flora and fauna very striking, concentrated in nearby natural parks. It's worth to mention that in this region lives 50% of the Mapuche, indigenous people of our country.
Gabriela, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en última fila, ocupando el segundo el lugar de izquierda a derecha, viste un poleron de color lila, pantalón buzo de color negro con franjas blancas. Su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de comida rápida desde hace 1 mes. Comenta que trabaja de lunes a sábado, en local establecido cerca de su casa, trabaja sola y su horario lo distribuye de acuerdo a su disponibilidad. Se dedica a vender churrascos, completos y papas fritas.
La mercadería e ingredientes que va utilizando los compra en supermercados, carnicerías, y distribuidoras de papas a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprará bebidas, paltas, mayonesa, queso.
Una de las metas de Gabriela, es continuar con el negocio, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Gabriela vive sola. Sus sueños a nivel personal es tener su casa propia y a nivel laboral crecer con su negocio y captar más clientela.
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.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.
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