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Fuerza De Mujer Group
In this Group: Celinda, Bárbara, Grey, Deyci, Miriam, Nancy, Elena, America, Verónica, Verónica, Jocelin, Patricia, Gloria, Rosa, Gisela, María, Carolina, Anita, María
This Communal Bank is called “Fuerza de Mujer” (Strength of Woman) and consists of 19 entrepreneurs who engage in different business activities such as selling secondhand clothing, selling new clothes, and selling undergarments and perfumes. All of them are from the city of San Javier.

In the photograph, Celinda is crouching and positioned closer to the right side. She has short hair and is wearing a burgundy jacket with a black sleeveless vest over it. Celinda has two businesses. The first one involves managing a store in her home where she sells groceries, sausages, dairy products, toiletries, and bazaar items. Her work schedule every weekday is from 9am to 11pm. On the weekends, she sells secondhand clothing in the mornings and new clothes at a Persian fair near her home. She has managed these businesses for nine years. With this loan, Celinda will restock her store with more clothes, groceries, dairy products, and frozen sausages.

Celinda lives with her husband and two children, ages 19 and 17. Her oldest child is studying at the university for a degree in psychology. Her dreams are to generate more earnings to increase her income and to provide for her children’s well-being. Celinda is very pleased with and grateful for the loan provided by Fondo Esperanza because she will able to invest it in her business and earn a better income. She says that the Communal Bank meets are very entertaining. The members are united, committed, and organized. Celinda serves as the Communal Bank President, which provides her both motivation and joy.

The city of San Javier is a community located in the central part of Chile and is part of the Maule region. It is essentially known as a winemaking area. The local vineyards are in an area called “Valle del Loncomilla” where some of the best Chilean wines are produced such as Viña Carolina, Viña Gillmore, and others.

View original language description ↓
Este banco comunal se llama “Fuerza de mujer” está conformado por 19 emprendedores, quienes se dedican a diferentes rubros entre los cuales se encuentran la venta de ropa de segunda mano, venta de ropa nueva, venta de ropa interior y perfumes. Todos ellos pertenecientes a la ciudad de San Javier.
Celinda quien en la foto aparece en cuclillas y más cercana al lado derecho de la foto, usa su cabello corto, además viste un chaleco color burdeo y encima trae puesto un chaleco sin mangas color negro.
Ella realiza dos actividades, la primera de estas es atender y vender sus productos de abarrotes, cecinas, lácteos, artículos de aseo y artículos de bazar en un almacén que se encuentra ubicado en su casa, su horario de atención son todos los días de la semana desde las 9ºº horas de la mañana hasta las 11ºº horas de la noche. Mientras que los fines de semana durante las mañanas se dedica a vender ropa de segunda mano y nueva en una feria persa cercana a su domicilio. Se dedica a estos negocios desde hace 9 años.
Con el crédito surtirá su almacén de mercadería entre ropa, abarrotes, lácteos y cecinas congeladas.
Celinda vive junto a su marido y sus dos hijos de 19 y 17 años de edad, el mayor de ellos estudia en la universidad la carrera de Psicología.
Sus sueños son generar mayores ganancias para aumentar sus ingresos y poder proporcionarles a sus hijos un mejor bienestar.
Celinda está muy contenta y agradecida del crédito otorgado por Fondo Esperanza, ya que con éste podrá invertir en su negocio y generará mayores ganancias. Comenta que las reuniones del grupo del banco comunal al cual pertenece son muy amenas, ya que las demás socias son unidas, comprometidas y organizadas. Celinda es la presidenta del banco comunal, por ende su motivación y alegría.
San Javier es una comuna y ciudad de la zona central de Chile, perteneciente a la región del Maule. Se caracteriza por ser una zona esencialmente vitivinícola. Los viñedos locales pertenecen a la zona denominada Valle del Loncomilla, de donde provienen algunos de los mejores vinos chilenos, Viña Carolina y Viña Gillmore, entre otras.

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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 467.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Fuerza De Mujer Group's $4,100 loan helped a member to purchase clothes, groceries, dairy products, and frozen sausages.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 24, 2011
Jul 19, 2011
Currency Exchange Loss:
Nov 15, 2011