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Delfines Emprendedores Group
In this Group: Jocelyn, Doris, Jorge, Francesca, Francy, Jacqueline, Julio, Macarena, Matilde, David, Ximena, Miriam, Irene, Jessica, Ana, Sonia
This communal bank is called "Delfines Emprendedores" and is composed of sixteen entrepreneurs, with different lines of work such as market vending, clothing sales, fast food sales, cleaning supplies sales, children clothes sales and services. They all live in the municipality of San Bernardo, located in the city of Santiago.

Jocelyn is a member of the communal bank. In the picture she is sitting in the second row, first from left to right. Her hair is dark brown, loose and she has bangs. She has been selling clothes for a year now. She sells door to door and her customers buy underwear, clothes for children and adults and shoes. She normally sells during paydays and she gives special credit conditions to her customers. When she needs more merchandise, she buys it in different establishments where she finds a wide variety of clothes, different colors, models and sizes and low prices, which is convenient for her.

With the loan, she will buy pants for women and men.

One of Jocelyn’s goals is to have an establishment in an outdoor market, where she can work comfortably and create a better buying experience for her customers. Jocelyn lives together with her husband and her two children, who are three and five years old. Her dreams, on a professional level, are to generate better income every day and to be able to give her family a better quality of life. On a personal and family level, she wants to give her children a good education.

She appreciates the opportunity given by Fondo Esperanza and she feels very happy, since it created a job opportunity that will help her to invest in her business and also in her own development. This experience has helped her to learn to be organized and to better distribute her income and investments.

San Bernardo is a city located 18 km south of Santiago. It is known as the folklore capital, because every year, in January, they organize the “International Folklore Festival”, an event in which different original cultures meet and music bands from all over South America play. They also organize the “Traditional Handicraft Fair”, where artisans from Chile and neighbor countries participate. In April, the event “Abril Cuecas Mil” [April, a thousand cuecas] is held, when all the municipality’s inhabitants dance cueca, a traditional Chilean dance.
View original language description ↓
Este Banco Comunal se llama ”Delfines Emprendedores” está conformado por 16 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de ropa, feriantes, venta de comida rápida, venta de articulos de aseo, venta de ropa infantil, servicios entre otros. Todos ellos pertenecientes a la comuna de San Bernardo, ubicado en la ciudad de Santiago.
Jocelyn , integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en segunda fila, ocupando el primer lugar de izquierda a derecha, su cabello es de color castaño oscuro, lo usa suelto y con chasquillas.
Ella se dedica al rubro de vendedora de ropa, desde hace 1 año. Se desempeña ofreciendo su mercadería de puerta en puerta, donde su clientela le compra ropa interior, ropa en general para grandes y chicos, zapatos, vende las quincenas y fines de mes, dando facilidades de pago a su clientela.
La mercadería que va necesitando se abastece comprando en locales donde encuentra gran variedad de ropa en diferentes colores, modelos y tallas a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará pantalones de dama y varón.
Una de las metas de Jocelyn son tener un local establecido en alguna feria libre, donde pueda trabajar cómodamente y atender a su clientela para que realice una compra satisfactoria.
Jocelyn vive junto a su esposo y dos hijos de 3 y 5 años de edad. Sus sueños a nivel laboral es crecer cada dia para generar mayores ingresos y darle una mejor calidad de vida a su familia, y a nivel personal y familiar darles una buena educación a sus hijos.
Ella está muy agradecida y contenta de la oportunidad brindada por Fondo Esperanza, ya que le abrió una puerta laboral y le permitirá invertir en su negocio y también para su desarrollo personal, ya que ha aprendido a organizar y distribuir de mejor manera sus ingresos e inversiones.
San Bernardo es una ciudad, ubicada a 18 km. en línea recta hacia el sur. Es conocida como la capital del folklore, debido a que cada año, en enero, se realiza el "Festival Internacional del Folklore", un evento en el que las raíces del país se dan cita y se reúnen agrupaciones musicales de toda Sudamérica. También se desarrolla la "Feria de Artesanía Tradicional", en la que participan tanto artesanos chilenos como de otros países cercanos. Luego en abril se realiza el evento “Abril cuecas Mil” que consiste en hacer bailar cueca (baile tradicional chileno) a toda la comuna.

Additional Information

About Fondo Esperanza

Fondo 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.

About Chile

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,552,775
    Funds lent in using Kiva
  • 484.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Delfines Emprendedores Group's $3,275 loan helped a member to buy pants for men and women.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 31, 2012
Listed
Nov 19, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 19, 2013