Compromiso Y Lealtad Group
Jessica is a member of the communal bank, who is in the second row of the photo, second from the left. She is wearing a black sweater and holding a Fondo Esperanza folder. She has been working buying, repairing and selling shoes for the last eleven years. Her work consists of buying old or no longer used shoes, mainly at the markets, which she then repairs and makes like new, so she can sell them later on. She learned this trade from her father. She sells at a stall in a bazaar with a permit, which her father transferred to her.
She comments that her business has been going well for her since the start; she holds on to her old customers as they are loyal. Jessica works Fridays and weekends.
She buys her merchandise in the Victoria neighborhood of Santiago city, where they sell leather and thread among other things. She will buy shoes with the loan.
Her goals for her business are to buy a van for transporting her merchandise.
Jessica lives with her husband and two daughters, aged 15 and 7. Her dreams are to pay for high-school education for her daughters so that they can one day become professionals.
She is very happy about the services provided by Fondo Esperanza and grateful for them, as they allow her to invest in her business. In terms of the group, she has very good interpersonal relationships with the other entrepreneurs. She also has very high expectations of the trainings. The member who appears in the upper left hand corner had to be absent the day the photo was taken for personal reasons.
Conchalí is a community in the metropolitan region of Santigao, the capital of Chile, and is located in the northern part of that region. It has a demarcated industrial neighborhood, and many small-sized economic and commercial activities including open markets, craft workshops, parking garages, bus terminals, among other things. The micro-enterprise sector is very relevant with its commercial activity.
Jessica integrante del Banco comunal, quien en la foto se encuentra en la segunda fila, ubicada en el segundo lugar de izquierda a derecha, vistiendo un sweater color negro y sosteniendo una carpeta de Fondo Esperanza en sus manos. Se dedica a la compra, reparación y venta de zapatos desde hace 11 años. Su trabajo consiste en comprar zapatos viejos o en desuso principalmente en ferias libres y luego restaurarlos y dejarlos como nuevos, para posteriormente venderlos. Oficio que le enseñó su padre. Ella vende en un persa, en un puesto con patente que le cedió su padre.
Comenta que desde sus inicios le ha ido muy bien con el negocio, conserva clientela antigua por lo tanto también es fija. Jessica trabaja los días viernes y fines de semana.
Su mercadería la compra en un sector llamado “Victoria”, ubicado en la ciudad de Santiago, ahí venden cueros, hilos, entre otros.
Con el crédito comprará zapatos.
Sus metas en su negocio son comprar una camioneta para trasladar su mercadería.
Jessica vive junto a su marido y sus dos hijas de 15 y 7 años de edad, sus sueños son costear los estudios superiores de sus hijas para que algún día, sean profesionales.
Ella está muy contenta y agradecida de los servicios brindados por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo dice tener muy buenas relaciones interpersonales con las demás emprendedoras. Además tiene muy buenas expectativas de las capacitaciones. Respecto a la socia que aparece en el recuadro superior izquierdo, debió ausentarse el día de la fotografia por motivos personales.
Conchalí es una comuna de la región metropolitana (donde está Santiago, capital de Chile) ubicada hacia el norte de la misma. Posee un barrio industrial delimitado, y múltiples actividades económicas y comerciales de pequeño tamaño, incluyendo ferias libres, talleres artesanales, garajes, terminales de buses, entre otros. El sector microempresarial es muy relevante en su actividad comercial.
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