Jessica is a member of this communal bank. In the photo, she is seated in the front row in the second seat from the right. She is wearing a gray vest underneath a black jacket, and blue jeans. Her hair is dark brown and she wears her hair loose. She has had a business selling women's and children's clothing for 6 years. She comments that she works from her house from Mondays through Saturdays. She makes her sales in the house, and then distributes her products on a schedule depending upon her availability.
She buys her merchandise in the city of Santiago from various wholesalers and businesses where she can find clothing at a low cost, which is thus financially advantageous. With this loan, she will buy different styles of clothing for women and children for the summer season.
One of Jessica's goals is to have a business with her mother, because her mother is a dressmaker who could make garments for her customers. This way, they could generate more income for the family.
Jessica lives with her husband and 3 children aged 11, 10 and 8 years, who are in school. At the family level, her dreams are to give her children a good life and a good education, and at the personal level she dreams of taking a class in dressmaking so that she could work with her mother.
Jessica is very grateful and pleased with this opportunity that is being provided by the Fondo Esperanza, because it will allow her to invest in her business. She comments that the training has been essential for her business, and also for her personal growth, because she has learned how to better organize and allocate her income and investments.
Valparaíso is located 120 kilometers northwest of Santiago. It is the capital of the region, and also the headquarters of legislative power in the country. It was the first port in the nation, and it offers a variety of beautiful and picturesque places, such as the house of the poet Pablo Neruda, winner of the Nobel Prize.
Jessica integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el segundo lugar de derecha a izquierda, viste un chaleco de color gris, encima lleva una chaqueta de color negra, blue jeans, su cabello es de color castaño oscuro y lo usa suelto.
Ella se dedica a la venta de ropa de mujer y niño, desde hace 6 años. Comenta que trabaja en su casa de lunes a sábado, lo realiza a domicilio y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra en la ciudad de Santiago en diferentes distribuidoras y negocios donde encuentra la ropa a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará ropa de mujer y niño de diferentes modelos para la temporada de verano.
Una de las metas de Jessica es tener un negocio con su mama, ya que es modista y realizar ellas las prendas de vestir para su clientela, así con esto generar mayores ingresos para la familia.
Jessica vive junto a su marido y 3 hijos de 11, 10 y 8 años de edad quienes se encuentran estudiando. Sus sueños a nivel familiar es darle un buen pasar a sus hijos y un buen futuro escolar, y a nivel personal hacer un curso de confección para trabajar junto a su madre.
Ella está muy agradecida y contenta de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que las capacitaciones han sido fundamentales para su negocio y también para su desarrollo personal, ya que ha aprendido a organizar y distribuir de mejor manera sus ingresos e inversiones.
Valparaíso está situado a 120 kilómetros al noroeste de Santiago. Es la capital regional y además sede del poder legislativo del país. Es el primer puerto de la nación y ofrece gran variedad de lugares hermosos y pintorescos, como por ejemplo la casa del poeta Pablo Neruda, ganador del Premio Nobel.
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