Ruka Rayen Group
Miriam is a member of the communal bank and is located standing in the middle of the front row. She is wearing a beige jacket and has short, wavy hair.
She has been working as an artisan for 30 years, specifically in wood carving and woolen fabrics and knits. She usually buys her materials at a market in the city of Cauquenes. There she buys wool, wood and tools. She says that she has a large number of customers that she knows. She makes her sales during the year from her house, but during the summer season she sets up and sells her products at a craft fair located in a municipal gymnasium.
With the loan she will buy wool for her knits and fabrics. Her goal is to have an established local for her business in a tourist area where she can offer and sell her crafts year-round.
Miriam lives with her husband and three children, ages 22, 20 and 7. Her older children work in a dependent manner. She would have liked to have studied for a career in business administration, but she says that now it is too complicated as she has to work. She is motivated to continue working at her business as her income helps her family and will allow her to give her children a better quality of life.
She is very happy and grateful for the services that Fondo Esperanza has given her, especially the loan, since it has helped her to invest in her business. She says that the group relationship is good since they are very supportive and committed to the other entrepreneurs and the training has helped her to allocate her income.
Temuco is the capital of the region of Araucanía. The city is located 670 km to the south of Santiago (the capital of Chile). There are a series of lakeside resorts located on the outskirts (Pucón, Villarrica) and very striking native flora and fauna concentrated in the nature reserves nearby. It is also worth noting that 50% of the Mapuche, indigenous people, that exist in our country live in this region.
Miriam integrante del banco comunal quien en la foto se encuentra en la primera fila de pie, en el lugar de al medio, viste una chaqueta color beige y su cabello es ondeado y corto.
Se dedica al rubro de la artesanía desde hace 30 años, específicamente tallado en madera, tejidos y telares en lana.
Su mercadería usualmente la compra en una feria ubicada en la ciudad de Cauquenes ahí compra lanas, maderas y herramientas. Comenta que tiene un gran número de clientes, por lo que son conocidos, sus ventas durante el año las realiza en su mismo domicilio y durante la temporada de verano se instala con sus productos en una feria artesanal dentro de un gimnasio municipal.
Con el crédito comprará lanas, para sus telares y tejidos.
Sus metas en su negocio son tener un local establecido, en el cual pueda ofrecer y vender sus productos de artesanía durante todo el año, en alguna zona turística.
Miriam vive junto a su marido y sus tres hijos de 22, 20 y 7 años de edad, sus hijos mayores trabajan de manera dependiente. A ella le hubiese gustado haber estudiado la carrera de administración de empresas, comenta que ahora es más complicado, ya que debe trabajar.
Sus motivaciones de continuar con el negocio se deben a que sus ingresos le permiten ayudar a su familia y que estos le permitirán brindarles una mejor calidad de vida a sus hijos.
Ella está muy contenta y agradecida de los servicios brindados por Fondo esperanza, especialmente por el crédito, ya que le ha permitido invertir en su negocio. Comenta que la relación grupal es buena, ya que son solidarios y comprometidos con los demás emprendedores. Las capacitaciones le han servido para distribuir sus ingresos.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.
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