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Las Abejitas Group
In this Group: María , Ana, Nataly, María , Inés, Janet , María , Cecilia , Gipsi, Margarita , Alicia, Mirta , Ximena, Angela, Vilma, Silvana , Jacqueline , Meliza, Francisca
Las Abejitas (The Little Bees) communal bank is made up of 19 entrepreneurs. It is located in the town of San Bernardo. Members’ businesses are based mostly in clothing, toy, fast food and ice cream sales.
María is the president of this group. She is in the 2nd row in the picture, seated in the 1st spot from left to right. She has a cane in her hand because she has suffered for many years from hemiplegia in the left half of her body. She has sold second-hand and new clothing, stationary and sewing supplies and hand towels for the past 7 years.
She sells her items at a market close to her house. She works there four days a week, including weekends. She moves her merchandise alone in a car. The rest of the week she also sells from home. With this loan she will buy perfumes, lycra blouses and children’s pools and floats.
In addition to the income from her sales, María receives a small pension and payment for renting 2 rooms in the back of her house.
Her dream is to have a stationary and embroidery shop in her home.
María is very grateful to Fondo Esperanza for the help they have given her through these loans. She feels that she has opportunities to rise up. She thanks them for the faith they have shown in her through this.
San Bernardo is a city located 18 km. south of the main square of Santiago (the capital of Chile) using a straight line. It is know as the capital of folklore culture; every year in January they have the “International Folklore Festival”. This is an event where the country’s roots come together. Musical groups from all over South America meet. There is also a “Traditional Crafts Fair”. Artisans from Chile and other nearby countries participate. Later, in April, the “One Thousand April Cuecas” event takes place. The whole town is made to dance cueca (a traditional Chilean dance) during the event.
View original language description ↓
El banco comunal “Las Abejitas” se conforma por 19 emprendedores y ubica en la comuna de San Bernardo. Sus negocios se basan principalmente en ventas de ropa, juguetes, comida rápida y helados.
María, quien es la presidenta de este grupo, en la foto se encuentra en 2º fila, sentada en 1º lugar de izquierda a derecha y sostiene un bastón en su mano, ya que padece de hemiplejia en la mitad de su cuerpo, lado izquierdo, hace muchos años. Ella vende ropa usada, ropa nueva, artículos de paquetería y toallas de mano, hace 7 años.
Su lugar de venta es una feria cercana a su casa, en donde trabaja 4 días a la semana, incluyendo los fines de semana. Ella traslada su mercadería sola en un carro. También vende en su casa los demás días.
Con este préstamo comprará perfumes, blusas de lycra, piscinas y flotadores inflables para niños.
Además de los ingresos por sus ventas, María cuenta con una pequeña pensión de dinero y con el pago por arriendo de 2 piezas, las cuales están en la parte de atrás de su casa.
Su sueño es tener un bazar y paquetería en su casa.
María está muy agradecida de Fondo Esperanza, por la ayuda que le han dado a través de los préstamos, ya que siente que tiene oportunidades para surgir y por la confianza que le han demostrado con esto.
San Bernardo es una ciudad, ubicada a 18 km. en línea recta hacia el sur desde la plaza de armas de Santiago (capital de Chile). 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
  • $2,637,700
    Funds lent in using Kiva
  • 491.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Abejitas Group's $3,250 loan helped a member perfumes, clothing and children's pools and floats.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jan 19, 2011
Jan 19, 2011
Currency Exchange Loss:
May 15, 2011