Claudio is 46, and sells prepared foods like many of the other group members. For three years, Claudio has been smoking chicken and pork meat. His products are natural and contain no preservatives or chemicals. He would like a loan to buy merchandise and a vacuum sealing machine in order to sell at other markets. He is enterprising and looks to the future to anticipate his customers' needs to invest in his business.
Claudio expects to plan, grow, diversify, and improve his business, and, of course, offer employment to others. On a personal level, he wants to help others to improve their products or services as a way to support his community.
Claudio is the single father of two children, ages 24 and 17. His older child is a professional, and the younger one will start his studies this year. Claudio likes working with MFI Fondo Esperanza because he has been given the chance to get ahead, meet more people, and become a group member. He appears on the left in the photo with his hands raised.
Claudio tiene 46 años y como muchos de los prestatarios en su grupo, él trabaja en la venta de comestibles. Claudio se dedica a ahumar carne de pollo y cerdo desde hace 3 años. Sus productos son naturales, asi que no usa preservativa o química. El quiere su préstamo para compara mercadería y ahorrar para poder comprar una selladora al vacío y poder entrar a otros mercados. Es una persona muy emprendedora y visionaria que va viendo las necesidades de sus clientes y de acuerdo a eso va invirtiendo en su negocio. En el futuro Claudio espera poder formalizar, crecer, y diversificar su negocio y por supuesto, dar opciones de trabajo a otras personas, asi para perfeccionar su negocio. A nivel personal, el quiere apoyar a otras personas a mejorar sus productos o servicios para en fin, apoyar a su comunidad. Claudio es papa soltero, con hijos 24 y 17, profesional el mayor y la menor entra a estudiar este año. A él le gusta trabajar con MFI, Fondo Esperanza por la oportunidad que le han dado de poder salir adelante, conocer más personas e integrarse. Claudio aparece al mano izquierda con las manos arriba.
About Fondo Esperanza
Fondo 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.