Mujeres Olimpicas Group
Esteban, a member of this Communal Bank, is the gentleman in the photo who is slightly bent over in the second row. He is in the first position going from left to right. Esteban is wearing a black and gray vest. He has dark brown hair that is cut short.
Esteban has been providing first aid and wound care services for the past seven years. He says that he works from home and his customers call on him whenever they need treatment. The supplies that he needs are purchased in the city of Concepción, which is very close by and offers first aid products at low cost, thus making it financially convenient for him. His loan will be used to buy sterile dressings, gauze, metal surgical pans, scissors, tweezers, masks, bandages, and alcohol.
One of Esteban’s goals is to continue his business so that he can help cure people who are not able to heal on their own. In addition, he hopes to generate more income and achieve a better quality of life. Esteban lives with his partner. His dreams for his family include owning a home so that he can provide his partner with better stability. He is pleased and grateful for the opportunity that has been provided by Fondo Esperanza so that he can invest in his business. With respect to his Communal Bank, Esteban says there is good communication that exists within his group. He says that the training classes have been essential for his business and his personal development. He has learned how to become organized and do a better job of allocating his earnings and investments.
Chillán is a city and community located on the south central coast of Chile. Its name means "seat of the sun" in mapudungun, the language of the indigenous mapuches. Chillán is known as the "cradle of the homeland" or "land of the artists", due to the fact that many famous people have been born in this city, such as the famous pianist Claudio Arrau.
Esteban, integrante del Banco Comunal, quien en la foto se encuentra detrás del varón en segunda fila en cuclillas, ocupando el primer lugar de izquierda a derecha, viste un chaleco de color negro con gris, su cabello es de color castaño oscuro y lo usa corto.
El se dedica al rubro de las curaciones y heridas, desde hace 7 años. Comenta que trabaja a domicilio, ya que su clientela lo llama para realizar las curaciones.
La mercadería insumos que va necesitando los compra en la ciudad de Concepción, lo cual le queda más cerca y encuentra los insumos para las curaciones a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará apósitos estériles, gasas, pocillo metálico, tijera, pinza, mascarilla, tela adhesiva, alcohol.
Una de las metas de Esteban es continuar con el rubro, y ayudar a curarse a personas que no lo pueden realizar por si solas, y además para generar mayores ingresos y optar a una mejor calidad de vida.
Esteban vive junto a su pareja. Sus sueños a nivel familiar es tener su casa propia para darle una buena estabilidad a su pareja.
El se encuentra muy contento y agradecido de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación. 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.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de los 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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Success!! The loan was 100% repaid