Mujeres De Esfuerzo Group
Viviana, a member of the communal bank, can be found in the photo sitting in the second row, in the first place from right to left, seen wearing the dark colored t-shirt with pink decoration, her brown hair held back, and wearing gray loop earrings.
She has been selling chocolate for four years. She comments that she works at home three days a week and sometimes the weekend and her distribution schedule is according to the availability as the chocolates and bonbons are handmade and made to order.
The necessary merchandise and supplies are bought in the city of Concepción from distributors that specialize in selling chocolates and handmade garnishes at a low cost, thus making it economically feasible. With the loan she will buy chocolates, food coloring, flavorings, decorative boxes and liquor.
One of Viviana’s goals is to specialize in the study of gastronomy in order to satisfy the needs of her customers and by doing this have a better life with her family. Viviana lives with her parents and a brother. Her personal goal is to grow very day in her field as an entrepreneur and on a family level that her family has all they need.
She is very happy and grateful for the opportunity provided by Fondo Esperanza to invest in her business. She says that the training has been essential for her business and also to her personal development, as she has learned to organize and allocate her profits and investments better.
Coronel is a close-knit community in the south of Chile, near the city of Concepción, in the Biobío region. It has an economy based on services, forestry, and agriculture. It also has an important tradition of coal mining, which no longer takes place, and the coal mine is now a mining museum known as “Chiflón Puchoco.”
Viviana, integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en segunda fila, ocupando el primer lugar de derecha a izquierda, viste polera de color negra con adornos rosados, su pelo lo usa tomado y es de color castaño , de adorno lleva puesto unos aros de color gris.
Ella se dedica al rubro de venta de chocolates, desde hace 4 años. Comenta que trabaja en su casa tres días a la semana y a veces los fines de semana y su horario lo distribuye de acuerdo a su disponibilidad, sus chocolates y bombones son artesanales y los realiza a pedidos.
La mercadería e insumos que va necesitando los compra en la ciudad de Concepción en distribuidoras que se especializan en la venta de chocolates y coberturas artesanales a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará kilos de chocolates, colorantes, esencias, cajas decorativas y licor.
Una de la metas de Viviana es especializarse en el rubro estudiando gastronomía para satisfacer las necesidades de sus clientelas y asi con esto optar a una mejor calidad de vida junto a su familia.
Viviana vive junto a sus padres y un hermano. Sus sueños a nivel personal crecer cada dia en su rubro y como emprendedora, y a nivel familiar que no le falte nada a su familia.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza para 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.
Coronel es una comuna ubicada al sur de Chile, cerca de la ciudad de Concepción, región del Bíobío. Posee una economía basada en servicios, explotación forestal, agricultura. Cuenta también con una importante tradición minera en carbón, actividad que ya no se realiza, pero de la cual quedó la mina de carbón “Chiflón Puchoco”, convertida ahora en museo minero.
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