Hijos Del Sol Group
In flowery shorts and a black top, kneeling with her daughter in the photo is América. For two years now she has been selling clothes. She has exclusive designs, created with the help of two designers and she sends for her patterns to be made. She buys her merchandise in a district known for its fabric shops, near to her home. In addition, she sells perfumes, which she buys from distributors.
She works from home, going door to door and takes orders. She says that she also worked as a home assessor in the Las Condes commune, which is far for her home. She did this 15 years ago when she came to Chile (América is Peruvian).
She has used her loan to buy new fabrics for the season.
América's dream is to have a shop in uptown Santiago, where she has seen that there is a better market and more demand.
América is motivated to work away at her business so that she can give financial security to her children. She lives with her three children and with a higher income she will be able to pay for their education.
She has liked working with Fondo Esperanza as they teach her to value her business and teach members to support each other. She also likes the relationship with others, particularly as a foreigner. She has been warmly welcomed into the group.
Independencia, in the north of the city, is one of the 34 communes that make up Chile's capital, Santiago. It emerged at the end of the nineteenth century as a traditional area. Its centre is Avenida Independencia, the road along which the ancient "Camino del Inca" (Inca path) ran. This was the main entry from the north into the city of Santiago. Given its large indigenous population, it is in Independencia that you find Chile's Indigenous Culture Centre. The area also has various significant, historic buildings, including six of the country's monuments.
América, aparece en la foto sentada con su hija, viste falda floreada y polera negra; vende ropa para mujeres, hace dos años que se dedica a este rubro, envía a confeccionar sus modelos, haciendo diseños exclusivos con la ayuda de dos diseñadores, compra su mercadería en un conocido barrio comercial de telas, cerca de su domicilio. Además se dedica a la venta de perfumes, los adquiere en distribuidoras.
Trabaja desde su casa, puerta a puerta y también a pedidos. Nos comenta que además trabaja como asesora de hogar en la comuna de Las Condes, lejos de su casa, hace 15 años, cuando llegó a Chile. ( viene de Perú)
Le ha dado uso a su crédito en comprar nuevas telas para esta temporada.
Su sueño es poner una tienda en el sector alto de Santiago, donde ha notado un mejor público y más demanda.
Lo que motiva a América en continuar su negocio es dar una seguridad económica a sus hijos, vive sola con sus 3 hijos, al tener ingresos extras, le permitirá pagar la educación de su familia.
Le ha gustado trabajar con Fondo Esperanza porque le enseñan a valorar su negocio, apoyarse unos a otros y por la buena relación humana que existe, sobre todo al ser extranjera, ha tenido buena acogida del grupo.
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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