Creciendo Contigo Group
Guido is a member of the communal bank. He is standing in the second row in the photo, the first one on the left, wearing a brown sweater. His hair is short and white and he has a beard. He has worked selling vegetables for 3 years. He says that besides selling vegetables, he sells rasberries, hay and animals. He works for himself and arranges his schedule according to availability.
The merchandise and materials that he needs he buys in different locales and suprtmarkets where he can find low cost merchandise, so it is convenient financially. With the loan, one of Guido's goals is to grow in his line of work and have the possibility of giving other people work that they need.
At this time, Guido lives alone. His dreams for his work are to grow, be a great businessman, and for his personal life to stay healthy and continue in this area. He is very happy and grateful to the help offered by Fondo Esperanza, since this will allow him to invest in his business. He remarks that the trainings have been fundamental for his business and also for his personal development, because he has learned to organize and distribute his income and investments better. He also says that the group he is a member of has very good communication.
Linares is an important urban center in the region of Maule, located in the central area of the country. In this area there is agriculture and wine producing that excels in export. The cultivation of grains also stands out (rice, wheat, corn and oats) as well as vegetables (beets, cabbage, lettuce, swiss chard and legumes) and fruit. Linares is the province where the most rice is produced in Chile. In fact, 78% of the national production of this grain is in this province, especially in the area of Parral.
Guido, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el primer lugar de izquierda a derecha, viste chaleco de color café, su cabello lo usa corto y es de color blanco y usa barba.
El se dedica al rubro de venta de verduras desde hace 3 años. Comenta que además de vender verduras, vende frambuesas, fardos y venta de animales, trabaja de forma independiente y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando los compra en diferentes locales y supermercados donde encuentra su mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito Una de las metas de Guido es crecer en su rubro y dar la posibilidad de trabajo a otras personas que lo necesiten.
Guido por el momento vive solo. Sus sueños a nivel laboral es crecer, ser un gran empresario, y a nivel personal tener buena salud para continuar con su rubro.
El está muy contento y agradecido 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. Además comenta que el grupo del cual forma parte existe muy buena comunicación.
Linares es un importante centro urbano de la región del Maule, ubicado en la zona centro del país. En esta zona se desarrolla de manera importante la producción agrícola y también vitivinícola sobresaliendo en el ámbito de las exportaciones. Destacan los cultivos de cereales (arroz, trigo, maíz y avena), hortalizas (remolacha, repollo, lechuga y acelga y legumbres) y frutas. Linares es la principal provincia productora de arroz, en Chile; de hecho, el 78% de la producción nacional de este cereal se da en esta provincia, especialmente en la comuna de Parral.
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