Ana, the president of the communal bank group, is seated in the photo third from the right in a brown jacket and large silver hoops, and short brown hair.
She has a variety store. She sells books, packing materials- her store is well stocked and her customers can find anything. She has done this for 2 years. She remarks that her store is located in a part of the house where she also offers a photocopying service, household supplies, school supplies, candies, and general items for her customers.
The merchandise and materials that she needs she buys in the city of Concepción or sometimes in the city of Santiago. With the loan, she will buy photocopying materials, books, thread, needles, ink, plates and pots, among other things.
Her goals for her business are growing and expanding her locale to offer her family a better quality of life. Ana lives with her husband , who works and supports her in her business, and her mother and 2 children. Her dreams are to expand her locale and at the same time open a hair salon since she previously worked in that area. In this way, she will generate more income and have a better quality of life.
Ana is very happy and grateful for the loan and services offered by the Fondo Esperanza. She also remarks that she feels very comfortable in the meetings and with the Communal Bank, since there is generosity and unity.
Chillán is a community in south central Chile. Its name means “chair of the sunl” in Mapudungun, the language of our Mapuche indigenous people. Chillán is known as the “Cradle of the Nation” or “Land of Artists”, because the city has produced noted Chilean historical figures, for example the well known pianist Claudio Arrau.
Ana, presidenta del grupo del Banco Comunal, quien en la foto se encuentra sentada, ocupando el tercer lugar de derecha a izquierda, viste una chaqueta de color café, usa aros grandes de color plata, su cabello lo usa corto y es de color castaño oscuro.
Ella se dedica al rubro de venta de bazar, librería, paquetería, su negocio es bien surtido, donde su clientela encuentra de todo, se dedica a este rubro desde hace 2 años. Comenta que su bazar lo ubica en una parte de su casa donde ofrece servicio de fotocopiado, insumos para la casa, artículos escolares, dulces, artículos en general para su clientela.
Su mercadería e insumos que va necesitando los compra en la ciudad de Concepción, y otras veces en la ciudad de Santiago.
Con el crédito comprará insumos de fotocopiadoras, libros, hilos, agujas, tinta, platos ollas entre otros.
Las metas en su negocio son crecer y poder ampliar su local, para brindarle a su familia una mejor calidad de vida.
Ana vive junto a su esposo quien trabaja y la apoya en su negocio, su madre, y 2 hijos. Sus sueños son ampliar su local y a la vez instalar una peluquería ya que ella antes se dedicaba a este rubro, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Ana está muy contenta y agradecida del crédito y servicios otorgados por Fondo Esperanza. Además comenta que se siente muy cómoda con las reuniones y grupo del Banco Comunal, ya que existe generosidad y unidad.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.
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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