Jacqueline is a member of this community bank. She is also its president. In the photo, she is crouching down in the front row. She is on the far right of the photo. Her hair is tied back and she is wearing a light-colored hooded top. She is holding her young daughter in her arms.
Jacqueline is a chef who makes international food. She has been making gourmet meals for 7 years. She sells her prepared meals to order, by home delivery. She promotes her services by word of mouth and with business cards. She says that the most important thing in preparing her meals is presenting the dishes well as everything "enters through the eyes". She prepares the meals in the kitchen in her house, which she had to extend for this purpose. There she has different machines and appliances which she works with.
Jacqueline will use her loan to buy supplies for her business. One of her goals for her business is to buy a vehicle so that she can transport her merchandise. She would also like to have business premises which are separate from her house, so that she can work more comfortably. Jacqueline lives with her husband and her two children who are 8 and 2 years old. Her dreams, on a personal level, are to become well known in her business and for her business to make her more profit so that she can provide her family with a better quality of life.
Jacqueline is happy and grateful for the opportunity that Fondo Esperanza have given her as it will allow her to invest in her business. She says that her community bank is responsible.
Osorno is a city which is located in the southern part of Chile, in Los Lagos region. It is an important agricultural center which is known as Chile's 'homeland of milk and meat'. Chief among its farming activities is the production of wheat and oats, cattle raising (both for meat and milk) and the manufacture of farming equipment. Osorno is home to the only soccer stadium in Chile to have a roof: the 'Rubén Marcos' Municipal Stadium.
Jacqueline integrante y presidenta del grupo del Banco comunal, quien en la foto se encuentra en cuclillas en la primera fila, ubicada en el primer lugar de derecha a izquierda. Ella usa su cabello tomado, viste un polerón color claro y además sostiene a su pequeña hija en sus brazos.
Jacqueline es chef de comida internacional y se dedica a preparar comida gourmet (platos de comida refinados), desde hace 7 años. Sus comidas preparadas las vende a domicilio por pedido, promociona sus servicios de boca en boca y con tarjetas de presentación. Comenta que lo primordial en sus preparaciones es la presentación de los platos, ya que todo “entra por la vista”.
Prepara las comidas en la cocina de su casa, para esto debió ampliarla. Ahí cuenta con diferentes maquinarias y electrodomésticos para trabajar.
Con el crédito comprará insumos para su negocio.
Una de las metas en su negocio es comprarse un vehículo para trasladar su mercadería y también contar con un local independiente a su casa, para tener una mayor comodidad.
Jacqueline vive junto a su marido y sus dos hijos de 8 y 2 años de edad. Sus sueños a nivel personal son reconocimiento en su negocio y que este le brinde mayores utilidades. Ya que con esto podría brindarle a su familia una mejor calidad de vida.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le permitirá invertir en su negocio.
Comenta que el grupo del Banco comunal del cual forma parte es responsable.
Osorno es una ciudad que se ubica en la zona sur de Chile, región de Los Lagos. Es un importante centro agropecuario que se identifica como "La Patria de la Leche y Tierra de la Carne" de Chile. Dentro de su actividad agropecuaria se destaca el cultivo de trigo y avena, la crianza de ganado, para el procesamiento de carnes y lácteos además de la fabricación de equipos agrarios.
Destaca en Osorno el único estadio de fútbol techado de Chile, el Estadio Municipal "Rubén Marcos”.
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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