Los Soñadores Group
Claudio is the group president and appears in the photo, standing, first on the right, holding his four-month-old son.
He is a merchant and sells nuts and dried fruit in a stall in various markets. He has had this business for ten years, and works from 8:00 am to 3:00 pm every day of the week.
He normally buys pickles, olives, pickled onions, almonds, and other products in the city market. During the summer season he also sells seasonal fruits such as strawberries.
With this loan, he will buy nuts, dried fruit, and olives to stock his business.
One of his goals for his business is to have an established storefront and all of the legal permits to sell in it.
Claudio lives with his wife and three children, ages 3 and 8 years, and four months old. One of his dreams is for his business to prosper in order to provide his family with a better quality of life
His wife also sells nuts and dried fruit, but she sells from home in order to be nearby.
Claudio is grateful for the opportunity that Fondo Esperanza has given him to invest in his business. He has been a very pleasant member of his communal bank, and he feels comfortable continuing to participate in the Institution.
Valparaíso is located 120 kilometers north-east of Santiago. It is the regional capital and the seat of legislative power in the country. It is the gateway of the nation and offers a large variety of beautiful, picturesque locations; for example, the house of Nobel Prize-winning poet Pablo Neruda.
Claudio presidente del grupo del Banco comunal, quien en la foto se encuentra de pié en el primer lugar de derecha a izquierda, sosteniendo a su hijo de 4 meses de edad.
Se dedica al rubro del comercio vendiendo frutos secos en un puesto que instala en diferentes ferias libres. Tiene su negocio desde hace 10 años. Su horario de trabajo es a partir de las 8ºº de la mañana hasta las 15ºº de la tarde, durante todos los días de la semana.
Usualmente compra aceitunas, picles, cebolla escabeche, almendras y otros productos en el mercado de la ciudad. Durante la temporada de verano agrega a su negocio la venta de frutas de estación como las frutillas.
Con el crédito comprará frutos secos y aceitunas para abastecer su negocio.
Una de sus metas para su negocio es tener un local establecido que cuente con todos los permisos legales para comercializar.
Claudio vive junto a su esposa y sus tres hijos de 8, 3 y 4 meses de edad. Uno de sus sueños es prosperar con su negocio para brindarle a su familia una mejor calidad de vida.
Su esposa también se dedica a vender frutos secos, sin embargo ella vende desde su casa, para su entorno más cercano.
Claudio está agradecido de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio. Respecto a la convivencia con el grupo del Banco comunal, ha sido muy grata, por lo que Claudio se siente cómodo en seguir participando de la institución.
Valparaíso está situado a 120 kilómetros al noroeste de Santiago. Es la capital regional y además sede del poder legislativo del país. Es el primer puerto de la nación y ofrece gran variedad de lugares hermosos y pintorescos, como por ejemplo la casa del poeta Pablo Neruda, ganador del Premio Nobel.
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