Joyas Del Pacífico Group
Jacqueline is a hairdresser. She cuts and colors hair, provides massages, facials and hairdos. She generally works in other people's homes but also sometimes in a space which she adapted for this purpose in her living room. She does her work every weekend because during the week she sells fast food in one of her sister's houses, together with her older sister, who is also a member of the group, and another friend. She has been doing the hairdressing work for one and a half years after she finished a course on the topic.
Jacqueline will use this loan to buy clippers (which are used to finish off hair cuts), a hairdressing cape, hydrogen peroxide, dyes and hair creams, amongst other supplies. What she has left over she will use to buy food for her other business.
Fondo Esperanza's loans have been an important source of support for Jacqeline, as have the business management workshops, since she can now keep records of what she spends and what she makes in her business.
Valparaíso is 120 kilometers north-west of Santiago. It is the regional capital and also the seat of the country's legislative power. It is the most important port in the nation and offers a large variety of beautiful and picturesque places such as, for example, the house of the poet Pablo Neruda, winner of the Nobel Prize.
Jacqueline trabaja en peluquería, haciendo cortes de pelo, tinturas, masajes, visos y peinados. Atiende generalmente a domicilio y algunas veces en un espacio que adapta para la ocasión en el living de su casa. Este trabajo lo realiza todos los fines de semana, ya que además durante la semana vende comida rápida, en la casa de una hermana, junto a su hija mayor, quien también forma parte del grupo, y otra compañera. El trabajo de peluquería lo realiza desde hace 1 año y medio, luego de terminar un curso del tema.
Con este préstamo Jacqueline comprará una máquina desvelladora (sirve para las terminaciones de los cortes de pelo), un delantal de peluquera, agua oxigenada, tinturas y cremas de pelo, entre otros insumos y lo que quede del dinero será para comprar alimentos para su otro negocio.
A Jacqueline le han sido un importante apoyo los préstamos de Fondo Esperanza, al igual que los talleres de administración de negocios, ya que ahora puede llevar un orden de lo que gasta y de lo que gana en sus negocios.
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