Los 21 Quemados Group
Carolina is bank president and in the photo is standing fifth from left to right wearing black pants and shirt; her hair is dark brown and she’s wearing it gathered up.
She’s been making pastry for six years. She comments that she works at home every day and distributes her schedule according to her availability. For the movement, she works with her husband since he’s saving up money to buy some machinery for his business.
She buys her merchandise and ingredients as needed in places that specialize in selling pastry-making supplies at low cost which is advantageous economically. She will use the loan to buy a mixer, a blender and a kneader.
One of Carolina’s goals is to continue in business and to sell cakes and turnovers at wholesale to earn higher income and be able to opt for a better quality of life.
Carolina lives with her grandmother, mother, aunt, husband and two children who are 7 and 1 year old. Her dream on a personal level is to travel and on a business level is to have a business abroad.
She is very happy and grateful for the opportunity being provided by Fondo Esperanza to invest in her business and she also feels very comfortable in her group because they are very united and they trust each other.
Conchalí is a commune in the Santiago Metropolitan Region (where Santiago, Capital of Chile is located) located in the north part of it. It has a specific industrial neighborhood and many economic activities, small businesses, book fairs, crafts shops, garages and bus terminals, among others. The micro business sector is a big part of its economic activity.
Carolina, presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie, ocupando el quinto lugar de izquierda a derecha, viste polera y pantalón de color negro, su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de la pastelería, desde hace 6 años. Comenta que trabaja en su casa todos los días y su horario lo distribuye de acuerdo a su disponibilidad. Por el momento trabaja con su marido ya que esta juntando dinero para comprarse unas maquinas para su negocio.
La mercadería e insumos que va necesitando la compra en lugares que se especializan en vender productos de pastelería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará una revolvedora, batidora y una sobadora.
Una de las metas de Carolina es continuar con su negocio y tener ventas al por mayor en pasteles y empanadas, así con esto generar mayores ingresos para optar a una mejor calidad de vida.
Carolina vive junto a su abuela, madre, tía, esposo y dos hijos de 7 y un año de edad. Sus sueños a nivel personal es viajar, y a nivel laboral tener un negocio fuera del país.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza para invertir en su negocio. Además se siente muy cómoda con el grupo que participa, ya que son unidos y existe confianza.
Conchalí es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada hacia el norte de la misma. Posee un barrio industrial delimitado, y múltiples actividades económicas y comerciales de pequeño tamaño, incluyendo ferias libres, talleres artesanales, garajes, terminales de buses, entre otros. El sector microempresarial es muy relevante en su actividad comercial.
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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