Somos 15 Group
Eileen is a member of the communal bank. She is the one in the back of the photo, in the pink blouse and sunglasses. Her hair is dark brown and she wears it down. Her group members are all pointing to her.
She makes a living in her bazaar. She has been doing this for six months. She says that she has a bazaar near her house and works every day. Her schedule depends on her availability. She offers a variety of items, like toys, things for the house, photo-printed bowls, and photos requested by the customer.
She buys the merchandise and materials that she needs in the city of Santiago in different commercial shops; some specialize in selling photographic items at low costs, which is more economically convenient.
With the loan, she will buy bowls, ceramics, and toys.
One of Eileen's goals is to continue with her business, growing day by day and being able to increase her merchandise in order to satisfy the needs of her customers. In this, she will be able to aim for a better quality of life.
Eileen lives with her parents, sister, and niece. Her personal dream is to grow as a micro-entrepreneur; her family dream is to have a good income in order to give the best to her family.
She is very thankful and happy with this opportunity offered through Fondo Esperanza, which will allow her to invest in her business. She says that the training sessions have been fundamental to her business and also to her personal development. She has already learned to organize and distribute her income and investments in the best way.
San Antonio is a port to the Valparaíso region; this is one of its main characteristics. It is located on the central coast of Chile. It developed through the important fishing trade, through the sale of fish and seafood. Despite the port activity and trade, there is a high rate of unemployment.
Eileen, integrante el grupo del Banco Comunal, quien en la foto se encuentra al fondo del grupo, viste de blusa rosada y anteojos de sol, su cabello es de color castaño oscuro y lo usa suelto, y sus compañeras de grupo la señalan.
Ella se dedica al rubro de venta de bazar, desde hace 6 meses. Comenta que tiene un bazar cerca de su casa, trabaja todos los días y su horario lo distribuye de acuerdo a su disponibilidad, ofrece variedad de articulos como juguetes, articulos para la casa, impresión de foto en tazones, y fotos a pedido de su clientela.
La mercadería e insumos que va necesitando lo compra en la ciudad de Santiago en diferentes casas comerciales, algunas se especializan en vender articulos fotográficos a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará tazones, cerámicos y juguetes.
Una de las metas de Eileen es continuar con el negocio, crecer dia a dia y poder ampliar su mercadería para satisfacer las necesidades del cliente, así con esto optar a una mejor calidad de vida.
Eileen vive junto a sus padres, una hermana y una sobrina. Sus sueños a nivel personal es crecer como microempresaria y a nivel familiar tener buenos ingresos para darles lo mejor a su familia.
Ella está muy agradecida y contenta de la oportunidad brindada por Fondo Esperanza, ya que le permitirá 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.
San Antonio es un puerto de la región de Valparaíso, siendo esta una de sus principales características, ubicado en el litoral central de Chile. Se desarrolla en forma importante la pesca y venta de pescados y mariscos. Pese a la actividad portuaria y comercial del puerto, existe un alto índice de cesantía.
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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