Emprendedoras Presente Group
Cecilia is communal bank president. In the photo she is standing in the second row, third from left to right, wearing a black blouse with a brown vest over it; her hair is dark brown and she wears it gathered up.
She works selling miscellaneous, seasonal merchandise like clothes, toys, floral decoration and kites. She’s been in business 13 years. She comments that she works afternoons and arranges her schedule to fit her availability. She buys her merchandise from suppliers and liquidators at low cost which is an economic advantage. She will use the loan to buy kites, toys and underwear. Her business goal is to continue growing to increase income and provide wellbeing for her family.
Cecilia lives with her husband who works in construction as a welder and with her 3-year-old daughter. Her dream at the family level is to finish building her house since it always has something still to do.
She is very happy and grateful for the opportunity provided by Fondo Esperanza because it will make it possible for her to invest in her business. With respect to her communal bank, she comments that there is good communication. On the other hand, the training has been useful for her to learn new sales strategies and bookkeeping.
Renca is a commune located in northwest Santiago (Capital of Chile) metropolitan region. It’s a commune with a strong community work among which the community television station “Renca TV” stands out. It was created in order to promote the commune’s cultural and artistic activities.
Cecilia presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie en segunda fila, ocupando el tercer lugar de izquierda a derecha, viste una polera de color negra y encima lleva puesto un chaleco de color café, su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de ventas de artículos varios y según temporada, como ropa, juguetes adornos florales, volantines, desde hace 13 años. Comenta que trabaja durante las tardes y su horario lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en distribuidoras y liquidadoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará volantines, juguetes y ropa interior.
Las metas en su negocio son seguir creciendo para aumentar sus ingresos y brindarle a su familia un buen bienestar.
Cecilia vive junto a su esposo quien trabaja en construcción como soldador, y su hija de 3 años de edad. Sus sueños a nivel familiar es terminar su casa, ya que siempre le falta algo por terminar.
Ella se encuentra muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo del Banco Comunal del cual forma parte, comenta que existe buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
Renca es una comuna ubicada en el sector norponiente del Santiago (capital de Chile), región metropolitana. Es una comuna con un fuerte trabajo comunitario, entre lo que se destaca el canal de televisión comunitario “Renca TV”, creado con el fin de promover las actividades culturales y artísticas de la comuna.
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