Princesas Guerreras Group
Marcela sells underwear and clothes, mainly in schools. She buys everything in Santiago. Marcela has had this activity for ten years now, and will use this loan to stock her business. On a personal level, Marcela would like to continue with her business, but she also has a stable business at home: a bookstore. She has also started to make some improvements to her house. Marcela is 39 years old, has a 12-year-old daughter that studies and a one-year-old child.
Marcela likes to work with Fondo Esperanza, because she feels comfortable with the rest of the members from the communal bank and because they help her to finance everything she needs for her business.
Marcela is wearing a black blouse with flowers; she is sitting in the middle.
Los socios de Princesas Guerreras venden joyas de plata, cosméticos y perfumes y amasandería (pan, torta, dulces, empanadas).
Marcela vende lencería y ropa, principalmente en colegios. Compra su mercadería en Santiago su. Trabaja en eso hace 10 años. Va a ocupar el préstamo para comprar su mercadería. A nivel personal, Marcela quisiera seguir con su negocio, pero adicionalmente tener un negocio estable como una librería en su casa y ya ha empezado con la construcción y ampliación de su casa. Marcela tiene 39 años, una hija de 12 (está estudiando)y otro de 1 año.
Le gusta trabajar con Fondo Esperanza porque se siente comoda con las demás socias de su Banco Comunal y porque le ayudan con financiamiento para comprar su mercadería.
Marcela esta con polera negra con flores, sentada al medio
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