Fortaleciendonos Juntos Con Esperanza Group
Yoni, a member of the communal bank, in the picture is seated in the front row second from the right, wearing a sky blue shirt. His hair is short and gray. He has worked making various repairs for 10 years. He says that he works in his house and sometimes in his clients’ houses. He offers repairs of washing machines, kitchens, and garden fences in front of houses; whatever his client asks for, he does.
He purchases the merchandise and supplies that he needs for spare parts in different hardware stores; other times, he tells his client that he will buy them, and he collects the payment for work. With the loan, he will only buy tools.
One of Yoni’s goals is to continue with his repairing, to be able to help his clients when something breaks so he can come and solve the problem. In this way, he can also generate more earnings to give his family a better time.
Yoni lives together with his family, which is made up of his wife and two children of 11 and 15 years. His dreams for work are to grow day by day in his repairing, and on a family level, to give a good life to his family so that they don’t lack for anything.
He is very happy and grateful for the help offered by Fondo Esperanza to invest in his business. With respect to the communal bank group of which he forms a part, he says that there is very good communication within it. On the other hand, the education and training has allowed him to learn new strategies for sales and bookkeeping.
In Mapudungun, the language of the indigenous Mapuches, “Lota” means “little village”. It is a coastal community located close to the city of Concepción in southern Chile, in the Bíobío region. Lota is renowned for its large coal deposits, which are strongly tied to the history and economic development of Chile, as well as for its underground mine workers, whose difficult living conditions were described by the Chilean author Baldomero Lillo in his book “Subterra”.
Yoni, integrante del grupo del Banco Comunal, quien en la foto se encuentra sentado en primera fila, ocupando el segundo lugar de derecha a izquierda, viste camisa de color celeste, su cabello lo usa corto de color gris.
EL se dedica al rubro de arreglos varios, desde hace 10 años. Comenta que trabaja en su casa y otras veces a domicilio de su clientela, ofrece arreglos de lavadoras, cocinas, realiza cercos de ante jardín en las casas, lo que su clientela le pide el lo realiza.
La mercadería e insumos que va necesitando como repuestos los compra en diferentes ferreterías y otras veces les dice a su clientela que las compré y el realiza el cobro del trabajo.
Con el crédito comprará solamente herramientas.
Una de las metas de Yoni es continuar con su rubro, poder ayudar a su clientela cuando le ocurra algún imperfecto y el pueda acudir y solucionar el problema, así también generar mayores ingresos para darles un buen pasar a su familia.
Yoni vive junto a su familia que se compone de su esposa y dos hijos de 11 y 15 años de edad. Sus sueños a nivel laboral crecer dia a dia en su rubro, y a nivel familiar darles un buen pasar a su familia para que no le falte nada.
El está muy contento y agradecido de la ayuda brindada por Fondo Esperanza para invertir en su negocio. Respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
Lota significa en mapudungun, idioma de nuestros indígenas mapuches, "pequeño lugarejo”. Es una comuna costera ubicada cerca de la ciudad de Concepción al sur de Chile, en la región del Bíobío. Lota es célebre por sus grandes yacimientos carboníferos muy ligados a la historia y desarrollo económico de Chile, así como por sus trabajadores de la minería subterránea, cuyas difíciles condiciones de vida fueron descritas por el escritor chileno Baldomero Lillo en su libro "Subterra".
More information about this loan
This loan targets populations in financially underserved regions of Chile. Thanks to its numerous branches, Fondo Esperanza is present nationwide and offers loans to micro-entrepreneurs in a country known for its limited microfinance industry. This Kiva loan enables entrepreneurs to maintain their current businesses in areas where Fondo Esperanza is the only available and accessible financial institution.
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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