Fe De Los Porteños Group
Denisse is a member of this communal bank. In the photo, she is seated in the first row, in the first spot on the right, wearing grey pants and a black jacket. She has light brown hair, which is long and is worn loose. She has had a business selling tools for a year. She comments that she works in the free market on Tuesdays, Saturdays and Sundays, offering all types of tools and hardware for sale and waiting on her customers. She arranges her schedule according to her availability. She usually buys her merchandise in the city of Santiago, where she can get a great variety of good quality items at a low cost. With this loan, she will buy hardware such as hammers, saws, pliers, wrenches, brushes, screwdrivers, and screws. One of Denisse's goals is to set up a hardware store, so that she could offer a greater variety of tools and hardware items for sale.
Denisse lives with her husband and 2 year-old child. For her family, she dreams of having her own home so that she could provide for her family's well-being and give them a better quality of life. With regard to her work, she dreams of having her own hardware store so that she could generate more income and be able to buy more merchandise to stock up her business.
Denisse is very content and grateful for the opportunity being provided by Fondo Esperanza, because it has opened up work opportunities for her, and allowed her to invest in her business. She's also developed as a person, because she has learned to organize and to allocate her income and investments in a better way.
Viña del Mar is a city and commune located on the central Chilean coast. It is known as the City of Gardens, because of the gardens and patios that are seen among the old homes in the city. It is also considered to be the tourism capital of Chile.
Denisse, integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el primer lugar de derecha a izquierda, viste pantalón de color gris y una chaqueta de color negro, su cabello es de color castaño claro, lo usa suelto y largo.
Ella se dedica al rubro de venta de herramientas, desde hace 1 año. Comenta que trabaja en la feria libre los días martes, sábado y domingo ofreciendo todo tipo de herramientas para la atención de su clientela y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra generalmente en la ciudad de Santiago por la gran variedad y calidad y además a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprará herramientas como martillos, serruchos, alicates, llave inglesa, cepillos, destornillador, tornillos.
Una de las metas de Denisse es poder instalar una ferretería, para ofrecer gran variedad de herramientas y vender otros tipos de articulos de ferretería.
Denisse vive junto a su esposo y su hijo de 2 años de edad. Sus sueños a nivel familiar es tener su casa propia y así brindarle un buen pasar a su familia y mejor calidad de vida, y a nivel laboral tener su ferretería para generar mayores ingresos y poder comprar más mercadería para surtir su negocio.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le abrió una puerta laboral y le permitirá invertir en su negocio y también para su desarrollo personal, ya que ha aprendido a organizar y distribuir de mejor manera sus ingresos e inversiones.
Viña del Mar es una ciudad y comuna ubicada en el litoral central de Chile, conocida como la Ciudad Jardín debido a los jardines y patios que poseen algunas viviendas antiguas de la ciudad. También es considerada la capital turística de Chile
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