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Volver A Nacer Group
In this Group: Leonor, Rosa, Nelly, Yesenia, Rosa, María, Zulema, Sandra, Karen, María , Ingrid, Rosa, Laura, Carolina , Sandra, Eva, Soledad, Juvenal , Lucrecia, Margarita, Susana
This community bank is named “Volver a Nacer” and is made up of 21 members from the city of Talcahuano. All of them are involved in different businesses such as a stationary shop, tailoring and making clothing, beekeeping and selling groceries.
Leonor is the president of the bank and can be found in the photograph in the front row, she is in the middle wearing a blue sweater. Leonor has been making and selling empanadas and pastries for 12 years. Her shop is located in the commercial center of Dichato. However, due to the aftershocks of the tsunami in Japan, high waves devastated the coast of Dichato again, which has lowered the number of visitors and restaurant customers which sought her products wholesale. Despite this situation the weekends attract a lot people.
Leonor lives with her ​​4 children, 18, 16, 12 and 8 years of age, who help her in her business either at the cash register or in the kitchen to cook certain products. She also employs four people to serve the customers as waiters and the two remaining people are chefs.
Her dreams are that Dichato will be rebuilt and to obtain her own home because she was left with nothing after the tsunami that struck the area on February 27, 2010 and had to rebuild her life and her business. Currently, she is living with her children in a shack the city of Dichato provided for her. Regarding her business, Leonor intends to have her business independently, to obtain higher profits and build a microenterprise with her children. Her motivations are to provide her children with a better life and to fund their studies.
With this loan she intends to buy an electric fryer and supplies to make empanadas such as flour, eggs, oil, lard and seafood.
Leonor is very grateful for the loan granted by field partner Fondo Esperanza because of the ease in making payments. She is very happy with the community bank because their is a lot of support and solidarity among its members. The trainings have been very useful for her business. She has internalized the lessons in income distribution in her business.
Talcahuano is a municipality and port city in the Bíobío region in southern Chile. It is known as one of the main ports in the country. Its name in Mapudungun (the Mapuche language) means "thundering sky. " It has a very attractive natural landscape due to the combination of rivers, sea, fertile plains and mountain meadows with a beautiful vegetation. Its economy revolves around its port, naval base and an important industrial district with steel companies, oil refining, petrochemical, cement, gas, etc.
View original language description ↓
Éste banco comunal se llama “Volver a Nacer” y está conformado por 21 socios, pertenecientes a la ciudad de Talcahuano. Todos ellos se dedican a diferentes rubros, específicamente bazar paquetería, corte y confección de ropa, apicultura y venta de abarrotes.
Leonor es la presidenta del banco y se encuentra en la foto de pie en la primera fila, se ubica al medio y viste suéter azul marino. Ella se dedica a la producción y venta de empanadas, además de la repostería desde hace 12 años. Su local está ubicado en el Centro comercial de Dichato. Sin embargo debido a las replicas del tsunami de Japón, las altas marejadas asolaron nuevamente la costa de Dichato, lo que ha bajado la afluencia de público y clientes de restaurante que solicitaban sus productos al por mayor. A pesar de ésta situación los fines de semana concurre bastante público.
Leonor vive con sus 4 hijos de 18, 16, 12 y 8 años de edad, quienes le ayudan en su negocio, ya sea en la caja o en la cocina para preparar ciertos productos. Además les ofrece trabajo a 4 personas que se encargan de atender a los clientes, como garzonas y las dos personas restantes son maestras de cocina.
Su anhelo es que se reconstruya Dichato, junto con esto obtener su vivienda propia, ya que a causa del tsunami que asoló esa zona el 27 de febrero del año 2010, Leonor quedó sin nada, por lo que tuvo que volver a reconstruir su vida y negocio. En éste momento vive con sus hijos en una mediagua que le otorgó la Municipalidad de Dichato. Respecto a su negocio Leonor pretende tener su negocio de manera independiente, para obtener mejores ganancias y armar una microempresa familiar en compañía de sus hijos. Sus motivaciones son brindarles a sus hijos un mejor bienestar y poder costear sus estudios.
Con el préstamo pretende comprar una freidora eléctrica e insumos para su producción de empanadas, entre estos; harina, huevos, aceite, manteca y mariscos.
Leonor está muy agradecida del crédito otorgado por Fondo esperanza, debido a las facilidades de pago, respecto al banco de socias ella se siente muy contenta, ya que entre ellas existe mucho apoyo y solidaridad. Las capacitaciones le han sido de gran utilidad para su negocio, ya que con estos aprendizajes de distribución en los ingresos, lo ha ido internalizado en su negocio.
Talcahuano es una comuna y ciudad-puerto de la región del Bíobío, al sur de Chile. Es conocida como uno de los principales puertos del país. Su nombre en mapudungun (lengua mapuche) significa "cielo tronador". Posee un paisaje natural muy atractivo, debido a la combinación de ríos, mar, planicies fértiles, vegas y los cuerpos montañosos, con una hermosa vegetación. Su economía gira en torno a su puerto, su Base Naval, y un importante barrio industrial con empresas siderúrgicas, refinería de petróleo, petroquímica, cemento, gas, etc.

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
  • $2,587,775
    Funds lent in using Kiva
  • 480.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Volver A Nacer Group's $3,400 loan helped a member to purchase an electric fryer, flour, eggs, oil, lard and seafood.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 4, 2011
Listed
Mar 24, 2011
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2011