Esfuerzo Del Bicentenario Group
Jessica, who in the photo is in the back row, on the right, wearing a black top, sells new clothes: t-shirts, pants and underwear. She has been running her business from her home for 6 years. Her regular customers are her neighbors and acquaintances.
Jessica travels to Santiago to buy her merchandise which is mainly winter jackets, summer t-shirts, dresses and 'trajes de huaso' (traditional outfits) to sell during the 'Fiestas Patrias' period (Chilean independence day celebrations). She also buys school pants, shirts and blouses to sell during the back-to-school period in March. Jessica works on her own in this business but she receives help from her husband when he has finished his work each day. He works as an inter-city bus driver.
Jessica will use this loan to buy clothes for the back-to-school season, specifically pants, shirts, blouses, underpants, gaiters and sweaters.
Jessica's dream is to own an established store in the center of Curicó. She is very grateful to Fondo Esperanza. She very much enjoys taking part in her community bank's meetings because of the unity and trust that exists between all the members of her group. Jessica is also her group's representative. The loans that Jessica receives through Fondo Esperanza have been a great support to her in her business since they have enabled her to invest more money and increase her income.
Curicó is located in El Maule region, in the center of the country. It has a Mediterranean-type climate and is considered one of the nicest in the country. The city is known for its wine production and the natural beauty of its surrounding area. In spite of the fact that the workforce has increased in this area, it continues to be, according to the last census, one of the poorest in the country.
Jessica, quien en la foto se encuentra en la última fila, al lado derecho y viste polera negra, se dedica a la venta de ropa nueva: poleras, pantalones, polerones y ropa interior. Su negocio lo realiza en su casa desde hace 6 años, por lo que sus clientes frecuentes son sus vecinos y conocidos.
Jessica viaja a Santiago a comprar su mercadería, principalmente chalecos de temporada de invierno, poleras de verano, vestidos y traje de huaso para vender durante el período de Fiestas patrias (Fiesta costumbrista de Chile) y también compra pantalones, camisas y blusas para escolares para aprovechar de vender durante el inicio de clases en marzo. Jessica trabaja sola en este negocio, sin embargo recibe ayuda de su esposo, después de su jornada laboral, ya que él se desempeña como chofer de buses interurbanos.
Con este préstamo Jessica comprará ropa correspondiente a la temporada escolar, específicamente: pantalones, camisas, blusas, calcetas, polainas y buzos.
El sueño de Jessica es tener un local establecido en el centro de la ciudad de Curicó.
Ella está muy agradecida de Fondo Esperanza, le gusta mucho participar de las reuniones, debido a la unión y confianza generada en el grupo con los otros emprendedores, es por esto que además es delegada del Banco comunal. En cuanto al financiamiento que recibe por medio de Fondo Esperanza, ha sido un gran aporte para su negocio, ya que con este ha podido invertir dinero más y aumentar sus ingresos.
Curicó se ubica en la región del Maule, zona centro del país. El clima de Curicó es de tipo mediterráneo y es considerado como uno de los más agradables del país. Se caracteriza además por su cultura en torno al vino y sus alrededores de belleza natural. A pesar de que la fuerza de trabajo se ha incrementado, esta zona sigue siendo, según el último censo, una de las más pobres del país.
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