Corazones Solidarios Group
Jaqueline is a member of the communal bank. She is the third person from left to right in the front row. She is wearing a lilac polo shirt and has short hair with bangs. She has been selling eggs and cheese for 5 years. She has also been selling her products in a street market for a year and two months. She buys her products on site and from distributors. Her goals are to expand her business and to ship her products to stores, bakeries and individuals. She will use the loan to buy eggs and cheese wholesale.
Jaqueline lives with her mother-in-law, her husband, their four children and their 5 year old granddaughter. She is motivated to continue in her business because she yearns to give her family a better quality of life with the income generated from her business. She says that two of her children attend the university. Her dream is for her children to become professionals. She says that this is the best thing she can give them. She is very happy and grateful for the opportunity that Fondo Esperanza has given her, as it has allowed her to invest in her business. With regards to the meetings, she says that she feels very comfortable since the group is very devoted, they share the same interests and they have created a warm atmosphere.
La Cisterna is a municipality located in the south central part of the country in the Metropolitana region. It is mainly residential and commercial. In the beginning it was a rural area with large plots of land, however, due to the growth in the population and the arrival of services, it has become 100% urban.
Jaqueline integrante del grupo del Banco comunal, quien en la foto se encuentra en primera fila, ocupando el tercer lugar de izquierda a derecha, vistiendo una polera color lila y su usando su cabello corto con chasquilla.
Ella se dedica al rubro del comercio, específicamente vendiendo huevos y quesos desde hace 5 años. Sus productos los vende en una feria libre desde hace 1 año y 2 meses.
Sus productos los compra en una parcela y en distribuidoras.
Las metas en su negocio son expandirse y despachar sus productos para almacenes, panaderías y particulares.
Con el crédito comprará huevos y quesos al por mayor.
Jaqueline vive junto a su suegra, su marido, sus cuatro hijos y una nieta de 5 años de edad.
Sus motivaciones de continuar con el negocio se deben a que Jaqueline anhela brindarle a su familia una mejor calidad de vida, a través de los ingresos que se vayan generando en su negocio.
Comenta que dos de sus hijos se encuentran estudiando carreras universitarias, el sueño de ella es que sus hijos sean profesionales, comenta que es lo mejor que les puede brindar.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza, ya que le ha permitido invertir en su negocio.
Respecto a las reuniones, dice sentirse muy cómoda, ya que el grupo está muy afiatado, comparten los mismos intereses y se ha podido generar un ambiente de calidez humana.
La Cisterna es una comuna ubicada en el sector centro-sur de la región Metropolitana. Es una comuna esencialmente residencial y comercial. En sus inicios era un sector rural, de grandes parcelas, sin embargo debido al crecimiento de su población y la llegada de servicios pasó a ser un sector 100% urbano.
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