Pura Calidad Group
Marlene is a member of this communal bank. She is standing in the second row of the picture, the third person from the left. She is wearing green overalls and a black top. She has dark brown hair and is wearing it tied back.
She has worked selling used clothing for ten years. She says she works outside a supermarket Monday through Sunday, sometimes for twelve straight hours. Her husband and a friend help her with sales. She offers all types of high quality clothing for men and women. She purchases whatever merchandise she needs to stock her business from affiliated stores that sell used clothing in good condition at low cost, which is the best option for her financially. She will use the loan to purchase clothing like blouses, shirts, t-shirts, and jackets.
One of Marlene's goals is to expand her business and open her own boutique, so that she may generate more income and achieve a better quality of life.
Marlene lives with her husband, her in-laws, and three daughters who are in school. They are fifteen, fourteen, and eleven years old. On a family level, her dream is to own her own home and give her daughters a good education.
She is grateful and happy with the opportunity Fondo Esperanza has offered her, since it has opened a door for her business and allows her to invest in her work and also in her personal development, because she has learned how to better organize and distribute her income and investments.
Independencia is one of 34 municipalities that make up the city of Santiago, the capital of Chile, and is located in the central-north area. It was developed in the late nineteenth century as a traditional sector of the city. Its main thoroughfare is Av. Independencia, which used to be the old Camino del Inca, leading to the North entrance to the city of Santiago. Due to its large indigenous population, the Indigenous Cultural Center of Chile is located in Independencia. There are also important historical buildings, including six of Chile's historic monuments.
Marlene, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el tercer lugar de izquierda a derecha, viste una jardinera de color verde y una polera de color negra, su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de venta de ropa usada, desde hace 10 años. Comenta que trabaja fuera de un supermercado de lunes a domingos, a veces trabaja 12 horas seguidas, la acompaña su esposolos dias que trabaja hasta mas tarde, ofrece todo tipo de ropa para adultos de muy buena calidad.
La mercadería que va necesitando para abastecer su negocio la compra en locales adheridos con ropa de segunda mano en buen estado y a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará ropa, como blusas, camisas, poleras, chaquetas.
Una de las metas de Marlene es ampliar su rubro y llegar a tener una boutique, así generar mayores ingresos y optar por una mejor calidad de vida.
Marlene vive junto a su esposo, sus suegros y tres hijas de 15, 14 y 11 años de edad, quienes se encuentran estudiando. Sus sueños a nivel familiar es tener su casa propia y darles una buena educación a sus hijas.
Ella está agradecida y contenta 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.
Independencia es una de las 34 comunas que componen la ciudad de Santiago (capital de Chile), ubicada en el sector centro-norte. Surgió a fines del siglo XIX como un sector tradicional de la ciudad. Su eje principal es la Av. Independencia, por la cual pasaba el antiguo Camino del Inca, puerta de entrada por el norte, a la ciudad de Santiago. Dada su amplia población indígena, en Independencia se encuentra el Centro Cultural Indígena de Chile. Cuenta también con importantes construcciones históricas, entre ellas 6 monumentos históricos 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