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Ganadoras Group
In this Group: Marcela, Carolina, Fabiola, Alejandra, Gabriela, Magali, Laila, Silvia, Heidy, Adriana, Katherine, Eugenio, Silvia, Sara, Ana , Elizabeth, Yasmina, Cecilia
This communal bank is called “Ganadoras” (Winners) and has 18 members who are engaged in a variety of businesses among which are: pastry making, clothing sales, costume jewelry and raising chickens, among others. All of them are from the city of Valparaíso.

Marcela, who in the photo is seated second from the left to the right, is being pointed out by the rest of the entrepreneurs. She is a dressmaker; she’s been in this line of work for ten years.

She adapted one of the rooms in her house as her workshop. She has three sewing machines there, a cutting table and furniture to store her supplies.

She makes clothes, purses and accessories as well as does clothing repairs.

She buys her merchandise in remnant shops in the cities of Santiago and Valparaíso.

She will use the loan to buy a piece of furniture she needs to organize her business, a shelf, ribbons, fabric, needles and pins, among others.

Her business goals are to fashion a line of clothing and accessories that can be made available to the market via Internet. She plans to carry out this project at the end of this year. She already has the patterns and designs for this.

Marcela lives with her boyfriend and her dream is to have a house of her own.

She is very happy and grateful for the loan that Fondo Esperanza granted her because it’s quite accessible for entrepreneurs like her. With respect to the meetings that take place in the communal bank, they’ve been useful for her to learn new business strategies and to hear about the experiences of other members in their respective businesses. She comments that the other entrepreneurs are quite committed both to their businesses and to the group.

Valparaíso is located 120 kilometers northeast of Santiago. It is the regional capital and seat of the national legislative branch of government. It is the nation’s main port and it has a variety of beautiful, picturesque places like the home of Nobel Prize winning poet, Pablo Neruda, for example.
View original language description ↓
Este banco comunal se llama “Ganadoras” está conformado por 18 emprendedores que se dedican a diferentes rubros, entre estos se encuentran repostería, venta de ropa, bisutería, criadero de gallinas, entre otros. Todos ellos pertenecientes a la ciudad de Valparaíso.
Marcela quien en la foto se encuentra sentada en el segundo puesto de izquierda a derecha, donde la señalan los demás emprendedores. Se dedica al corte y confección de ropa, trabaja en éste rubro desde hace 10 años.
Adaptó una de las habitaciones de su casa como su taller, ahí cuenta con tres maquinas de coser, un mesón de corte y muebles para guardar sus insumos.
Sus confecciones son de ropa, bolsos y accesorios, además realiza reparaciones de ropa.
Su mercadería la compra en retacerías, en las ciudades de Santiago y Valparaíso.
Con el crédito comprará un mueble que necesitaba para organizar su negocio, una repisa, cintas, telas, agujas, alfileres, entre otros.
Sus metas en su negocio son realizar una línea de ropa y accesorios, que se encuentre disponible en el mercado mediante internet, a fines de éste año pretende concretar éste proyecto. Para esto ya cuenta con moldes y diseños.
Marcela vive junto a su novio y su sueño es tener su casa propia.
Ella está muy contenta y agradecida del crédito otorgado por Fondo Esperanza ya que es muy asequible para emprendedores como ella. Respecto a las reuniones realizadas en el grupo del banco comunal, le han servido para aprender nuevas estrategias para su negocio y conocer otras experiencias de socias con sus respectivos negocios. Comenta que existe mucho compromiso por parte de las demás emprendedoras, tanto con sus negocios, como con el grupo.
Valparaíso está situado a 120 kilómetros al noroeste de Santiago. Es la capital regional y además sede del poder legislativo del país. Es el primer puerto de la nación y ofrece gran variedad de lugares hermosos y pintorescos, como por ejemplo la casa del poeta Pablo Neruda, ganador del Premio Nobel.

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
  • 462.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Ganadoras Group's $2,750 loan helped a member to buy a piece of furniture she needed to organize her business, a shelf, ribbons, fabric, needles and pins, among others.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 29, 2011
Jul 19, 2011
Currency Exchange Loss:
Nov 15, 2011