Las Dalcas Group
Juan is a member of this community bank. In the photo, he is standing in the second row, on the far left, wearing a black sleeveless jacket.
Juan works in sales. He works in a mini-mart and sells fruit, vegetables, seafood, drinks and other products. He has been working in this business for 6 years together with one of his daughters. He works from Monday to Sunday, from 6.00am to 8.00pm.
Juan says that his business premises are located in the city center and he has a lot of customers, especially during this summer season. He buys his merchandise from local farmers which is most convenient for him. He will use his loan to buy vegetables, specifically potatoes, wholesale.
Juan's goal is to grow his business. For this reason, he will continue stocking it with merchandise and continue making better income.
Juan lives together with his wife and his two daughters who are 30 and 20 years old. His daughters help him with his seafood business (a family business which is aimed at selling oysters). Juan's personal dreams are to provide his family with a better quality of life and more comforts.
Juan is very happy and grateful for the opportunity that Fondo Esperanza are giving him as it helps him to invest in his business. He says that he has learned from the training sessions that he receives as a member of his community bank.
Puerto Montt is a city in the south of Chile. It is located in Los Lagos region. Some of Puerto Montt's attractions are its beautiful green landscapes, its quiet beaches, its rich cuisine and the reputation of its fish, seafood and handicrafts. It is also one of the main ports of entry to Isla Grande de Chiloé which is rich in traditions and legends.
Juan integrante del Banco comunal, quien en la foto se encuentra en la primera fila de pié, ocupando el primer lugar de izquierda a derecha, viste una chaqueta sin mangas color negro.
El se dedica al rubro del comercio, específicamente atiende un mini market, en el cual vende verduras, frutas, mariscos, bebidas, entre otros productos.
Se desempeña en este negocio desde hace 6 años junto a una de sus hijas.
Trabaja de lunes a domingo de 6ºº de la mañana hasta las 20ºº hrs de la tarde.
Comenta que su local está ubicado en el centro de la ciudad, por lo que tiene bastante clientela. Sobre todo en ésta temporada de verano.
Su mercadería la compra a agricultores en el campo, lo cual le es más conveniente monetariamente.
Con el crédito comprará verduras, específicamente papas al por mayor.
Sus metas son crecer en su negocio, para esto seguir abasteciéndolo con mercadería y obtener mejores ingresos.
Juan vive junto a su esposa y actualmente también con sus 2 hijas de 30 y 20 años de edad quienes le ayudan con el negocio de la marisquería (negocio familiar dedicado a la venta de ostras).sus sueños a nivel personal son brindarle a su familia una mejor calidad de vida, más confortable.
El está muy contento y agradecido de la oportunidad brindada por Fondo esperanza, ya que le permitirá invertir en su negocio.
Comenta además, que ha aprendido con las capacitaciones impartidas en las reuniones del Banco comunal.
Puerto Montt es una ciudad del sur de Chile, ubicada en la región de Los Lagos. Una de las atracciones de Puerto Montt son sus bellos paisajes verdes; sus playas poco frecuentadas; su gastronomía y especialmente la reputación de sus pescados y mariscos y sus artesanías. Es también la puerta de entrada a la Isla Grande de Chiloé, rica en tradiciones y leyendas.
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