Silvana, a member of the communal bank, is sitting in the front row of the picture, the second adult from the right. Sitting next to her is her granddaughter. She is wearing black pants and a brown jacket. She had dark hair and she wears it up. Silvana makes her living in the food sector; specifically she sells lunch which she has done for 15 years. She says that she works alone from Monday through Sunday from 8am through 5pm because that is when she receives her last lunch order.
She buys her merchandise from different locations, wherever it’s cheapest, including supermarkets, distributors, and shops. With the loan she will buy a juicer, microwaves, dishes, amenities, and food.
One of Silvana’s goals is to have a bigger business and to buy an industrial oven in order to be able to make meat pies and sell them in larger quantities. Silvana lives with her husband, sister, nephew, and niece. Her dreams at work include to opportunity to buy an industrial oven so as to generate more income and in this way give her family a good life.
She is very happy and grateful for the opportunity that Fondo Esperanza has given her because it has allowed her to invest in her business. Additionally, she feels very comfortable in the company of the other entrepreneurs of the communal bank because they share different activities and interests which gives her a quick pastime. In regards to the trainings at these meetings, she has learned how to manage her business better.
Conchali is a municipality in the metropolitan area (located in Santiago, the capital of Chile) located in the northern region. It has a defined industrial area and has many economic and commercial activities of a smaller scale including street markets, craft workshops, garages, and bus terminals among others. The microenterprise sector is very relevant to her commercial activity.
Silvana, integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el segundo lugar de derecha a izquierda a su lado derecho se encuentra su nieta, viste un pantalon de color negro, encima lleva puesto una chaqueta de color café, su pelo es de color oscuro y lo usa tomado.
Ella se dedica al rubro de alimentos, específicamente ofrece almuerzos, se desempeña en sus labores desde hace 15 años. Comenta que trabaja sola de lunes a domingo desde las 8ºº hasta las 17ºº horas, ya que a esta hora llega su ultimo pedido de almuerzo.
Su mercadería la compra en diferentes parte, donde encuentra su mercadería a bajo costo, supermercados, distribuidoras, tiendas.
Con el crédito comprará una juguera, microondas, platos, servicios, mercadería en alimentos.
Una de las metas de Silvana es tener un negocio más grande y comprar un horno industrial para poder hacer empanadas y vender en grandes cantidades.
Silvana vive junto a su esposo, hermana, sobrino y una sobrina. Sus sueños a nivel laboral es tener la oportunidad de comprar un horno industrial para poder generar mayores ingresos, así darle un buen pasar a su familia.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo del Banco Comunal, ya que comparten diferentes actividades, intereses, lo cual le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Conchalí es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada hacia el norte de la misma. Posee un barrio industrial delimitado, y múltiples actividades económicas y comerciales de pequeño tamaño, incluyendo ferias libres, talleres artesanales, garajes, terminales de buses, entre otros. El sector microempresarial es muy relevante en su actividad comercial.
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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