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Mirar Al Futuro Dichato Group
In this Group: Noelia, Ana , Myriam, Susana, Gabriela , Emilia , Yesenia, Valeria , María , Ana , Clara , Elianira , Susana, Beatriz, Tatiana, Constanza, Angela , Marta
Noelia is a member of the Communal Bank “Mirar al Futuro Dichato” (Look to the Future – Dichato), which consists of 18 entrepreneurs who work in activities such as making crafts, baking, and cooking. They live in the city of Tomé.


Noelia, who appears in the top corner photo, works as a baker. Specifically she makes cakes, cream puffs, and whole grain bread. She started this business in her home five years ago. Her regular customers are her neighbors who come to her house to place orders. However, she also sells baked goods door-to-door so that she can generate publicity for her business. Noelia buys all of her baking ingredients from the wholesale supermarket since the prices are cheaper. She works alone in her business, but she also gets help from her daughters (ages 18 and 10) who clean the used cooking utensils. With this loan, Noelia will buy supplies and ingredients for her business, specifically a cylinder of natural gas, flour, flaxseed, sugar, pastry cream, butter, and other products.


Noelia dreams of having a shop in her home where she can display the goods that she prepares so that she can be recognized for her baking. In this manner, she hopes to generate income to help her obtain a better quality of life. Her motivation to continue her business stems from her love of desserts. She also likes having income to cover the household expenses and the university studies of her oldest daughter. Noelia is extremely grateful to Fondo Esperanza. She enjoys attending the meetings because of the communication, friendship, loyalty, and trust that she has developed with the other entrepreneurs in her group. This explains why the other members selected her to be the president of the Communal Bank. The funding she has received from Fondo Esperanza has been a great help to her business since she is able to invest more and increase her earnings.


Tomé is a community in southern Chile, located near the city of Concepción in Bíobío region. The local economy is sustained primarily by the textile industry, which has its origins in the late nineteenth century. These factories produced wool cloth. The Bellavista Oveja Factory in Tomé shut down in 2007, creating high unemployment which has since been eased by new business activities.

View original language description ↓
Noelia forma parte del Banco comunal “Mirar al futuro Dichato” conformado por 18 emprendedoras, que se desempeñan en los rubros de artesanía, repostería y cocina, pertenecientes a la ciudad de Tomé.
Noelia, quien en la foto aparece en el recuadro superior, se dedica a la repostería, específicamente producción y venta de tortas, berlines y pan integral de molde.
Su oficio lo realiza en su casa desde hace 5 años, por lo que sus clientes frecuentes son sus vecinos, quienes realizan pedidos de sus productos a domicilio. Sin embargo también vende sus alimentos de repostería puerta a puerta, para ser reconocida en el rubro.
Noelia compra todos los ingredientes de repostería en un supermercado mayorista, ya que es más económico.
Ella trabaja sola en este negocio, pero recibe ayuda de sus hijas de 18 y 10 años de edad, quienes limpian los utensilios de cocina utilizados.
Con este préstamo comprará insumos e ingredientes para su negocio, específicamente un cilindro de gas licuado, harina, linaza, azúcar, crema pastelera, manteca, entre otros.

El sueño de Noelia es tener un local en su misma casa, donde pueda exhibir lo que prepara, además de ser reconocida por su repostería. De esta manera obtener ingresos que le permitan tener una mejor calidad de vida.
Sus motivaciones de continuar con el negocio son debido a que le gusta la repostería, además recibe ingresos que posibilitan costear los gastos de su hogar y prontos estudios universitarios de su hija mayor.
Ella está muy agradecida de Fondo Esperanza le gusta mucho participar de las reuniones, debido a la comunicación, amistad, lealtad y confianza generada en el grupo con las otras emprendedoras, es por esto que además es presidenta del Banco comunal. En cuanto al financiamiento que recibe por medio de Fondo Esperanza, ha sido un gran aporte para su negocio, ya que con este ha podido invertir más y aumentar sus ingresos.
Tomé es una comuna del sur de Chile, ubicada cerca de la ciudad de Concepción, región del Bíobío. Su economía local se sustentaba de manera importante en la actividad textil que se origina a fines del siglo XIX, con fábricas que producen paños de lana de oveja, Textiles Bellavista Oveja Tomé, cerrada en 2007, trayendo consigo altas tasas de desempleo que han sido cubiertas por nuevas actividades económica.

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
  • 476.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Mirar Al Futuro Dichato Group's $2,875 loan helped a member to purchase baking supplies and ingredients.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 18, 2011
Listed
Mar 8, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2011