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Las Esforzadas Group
In this Group: Rosalía , Cristian, María , Gloria , Marcela , Rosalía, Paula , Leontina , Lia, María José, Marcelo , Jenny, Jorge, Angela
Rosalía is a member of the Communal Bank “Las Esforzadas” (The Hardworking Ones), which consists of fourteen entrepreneurs who engage in the retail trade. Specifically they sell jewelry, clothing, and groceries. All of them live in the city of Talca.


In the photograph, Rosalía is the first person seated on the left. She has been selling jewelry and clothing for four years. Rosalía buys her merchandise in the Patronato neighborhood in the city of Santiago. Her business involves selling door-to-door and to commercial shops. As a result of working many years in retail, Rosalía developed many connections who are now regular customers. She currently has fifty clients. With this loan, Rosalía will invest in her business by purchasing clothing and jewelry to help increase her revenues.


She dreams of having an established shop in central Talca so that she can expand her customer base and generate more income. In her personal life, Rosalía hopes to see her children have a better quality education. Her greatest wish is for her family to get ahead and to provide them a more comfortable life. Rosalía is extremely grateful to Fondo Esperanza. She enjoys participating in the meetings and gets great amusement from them. In addition, Rosalía serves as the Communal Bank president. The loans from Fondo Esperanza have been a great help to her business because they have allowed her to invest and helped to increase her income.


Talca is located in Maule region in central Chile. It is the administrative, economic, and cultural hub of the region as well as the largest city in Chile’s Central Valley. There is a curious saying in Chile, the phrase “Talca, Paris, and London”. Among the many legends that explain the derivation of this phrase, some say it was originally spoken by an Englishman who said “Talca looks like London”, referring to the abundant fog that frequently covers the city during the winter season, similar to the British capital.

View original language description ↓
Rosalía forma parte D. Banco “Las Esforzadas” conformado por 14 emprendedores, que se desempeñan en el rubro D. comercio, específicamente; venta de joyas, ropa y abarrotes. Todos pertenecientes a la ciudad de Talca.
Rosalía quien en la foto aparece sentada y es la primera D. lado izquierdo, se dedica a la venta de joyas y ropa desde hace 4 años.
Su mercadería la compra en el barrio “Patronato” de la ciudad de Santiago.
Su negocio lo realiza puerta a puerta y en tiendas comerciales, ya que Rosalía trabajó durante muchos años en tiendas, por lo que conoció mucha gente quienes ahora son sus clientes frecuentes, llegando a tener 50 clientes actualmente.
Con el préstamo comprará ropa y joyas para invertir en su negocio y poder aumentar así sus ingresos.
Rosalía vive con su esposo y sus dos hijos de 10 y 4 años de edad.
El sueño de Rosalía es tener un local establecido, en el centro de la ciudad de Talca, donde pueda aumentar su clientela y generar más ganancias. En el ámbito personal Rosalía anhela que sus hijos tengan una mejor calidad en su educación.
Su gran motivación es sacar adelante a su familia, para brindarles una vida más confortable.
Ella está muy agradecida de Fondo Esperanza. Le gusta mucho participar de las reuniones, ya que se entretiene en éstas. Además es presidenta D. Banco. En cuanto al financiamiento que recibe por medio de Fondo Esperanza, ha sido un gran aporte para su negocio, ya que podrá invertir y aumentar sus ingresos.
Talca pertenece a la región D. Maule, ubicada en la zona centro D. país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante D. Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital D. Reino Unido.

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
  • 473.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Esforzadas Group's $2,050 loan helped a member to purchase jewelry and clothing.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 9, 2011
Listed
Mar 10, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2011