Los Semilleros De Huepil Group
Jessica is the delegate of the communal bank group. In the photo she is in the middle of the front row, wearing a Calypso dress printed with different colors, black, yellow, green, fuchsia. She wears her mahogany-colored hair loose with bangs.
She has worked selling new clothing for women for approximately a year. She buys her merchandise on the Internet or directly in her Patronato neighborhood, buying exclusive styles. Her work schedule is flexible and her customers are acquaintances and close to her house.
With the loan she will buy women's clothing, specifically blouses.
One of her goals for her business is to have a boutique in which she can offer her merchandise in a more attractive and comfortable way, to attract more customers.
Jessica lives with her husband and three children, ages 13, 5, and 2. One of her personal dreams is to study some field with a specialization in languages.
In addition, she is very happy, motivated, and grateful to participate in Fondo Esperanza because it will allow her to invest in her business and learn new techniques to improve the accounting in her business. She comments that the group is very committed and the meetings enjoyable.
Chillán is a village in the south-central part of Chile. The name means "Chair of the Sun" in Mapudungun, the language of our indigenous Mapuche. Chillán is known as the "Birthplace of the Country" or "Land of the Artists" because in this region many of the great figures of Chilean history were born, such as, for example, the well-known pianist Claudio Arrau.
Jessica delegada del grupo del Banco comunal, quien en la foto se encuentra en la primera fila, en el lugar del medio, viste un vestido estampado con diferentes colores negro, amarillo, verde, fucsia, Calipso, usa su cabello suelto con flequillo y es de color caoba.
Ella se dedica a vender ropa nueva para dama. Desde hace un año aproximadamente.
Su mercadería la compra por internet o la compra directamente en el barrio Patronato, comprando modelos exclusivos.
Su horario de trabajo es flexible y sus clientes son conocidos y cercanos a su casa.
Con el crédito comprará ropa para dama, específicamente blusas.
Una de las metas para su negocio, es tener una boutique en la cual pueda ofrecer su mercadería de una manera más atractiva y cómoda para atraer más clientela.
Jessica vive junto a su marido y sus tres hijos de 13, 5 y 2 años de edad, uno de sus sueños a nivel personal es estudiar una carrera con alguna especialidad en idiomas.
Ella además está muy contenta, motivada y agradecida en participar de Fondo Esperanza, ya que le permitirá invertir en su negocio y aprender nuevas técnicas para mejorar la contabilidad de su negocio. Comenta que el grupo es muy comprometido y que las reuniones son muy amenas.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.
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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