Juntos Podemoa 2.0 Group
Nuvia, a member of the communal bank, is in the photo standing fourth from the right. She is wearing a coffee-colored jacket, and has long, blond hair that she is wearing loose.
She has been engaged in running a bazaar for three years. She says that she works at home with her mother’s help. She works from Monday to Sunday from 8:00 am to 9:00 pm. She buys the merchandise and supplies that she needs from supermarkets and distributors at low cost, so her business is profitable. One of Nuvia’s purposes for the loan is to stock her business with as much selection as possible in order to generate more income, and provide for her family’s welfare.
Nuvia lives with her mother, who helps her with the bazaar sales, and her brother and sister who are working. On a business level, her dream is to make her bazaar successful and have a grocery store with all the products and dairy that her customers frequently need.
She is very happy and grateful for the opportunity offered by Fondo Esperanza because their help will allow her to invest in her business. Regarding her membership in the communal bank, she says that there is good communication within the group and the training has helped her learn new sales strategies and bookkeeping.
Conchalí is a commune in the metropolitan region to the north of Santiago, the capital of Chile. (Conchalí and Santiago are both located in the metropolitan region). It has a bounded industrial neighborhood, and many economic activities and small businesses including street markets, artisanal workshops, garages, bus terminals, and others. The small business sector is very important in her business.
Nuvia, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie, ocupando el cuarto lugar de derecha a izquierda, viste una chaqueta de color café, su cabello es de color rubio lo usa largo y suelto.
Ella se dedica al rubro de bazar, desde hace 3 años. Comenta que trabaja en su casa con la ayuda de su mama, su horario es de lunes a domingo desde las 8ºº hasta la 21ºº horas.
La mercadería e insumos que va necesitando los compra en supermercados y distribuidoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará confort, aceitunas, cebollas, harina, aceites, mantequilla para abastecer su bazar. Una de la metas de Nuvia es abastecer su negocio lo mas surtido posible, para generar mayores ingresos, así brindarle a su familia un buen bienestar familiar.
Nuvia vive junto a su mama quien le ayuda con las ventas del bazar, hermano y hermana quienes se encuentran trabajando. Sus sueños a nivel laboral es surgir con su bazar y llegar a tener un almacén donde se encuentre de todo los productos y lácteos que su clientela necesite con frecuencia.
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 el cual forma parte, comenta que en éste existe muy buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
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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Success!! The loan was 100% repaid