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Los Microempresarios Group
In this Group: Diana, Laura, Roxana, Fernando, María, Ramón, Manuel, Arlette, Macarena, Mercedes, Jamie, Juan, Iris, María, Tatiana, Jeannette, Carola, Margarita, Angelica
The communal bank “Los Microempresarios” (the small entrepreneurs) is made up of 19 businesspeople who work in different areas such as: cosmetology, firewood, clothing sales, etc. All live in the city of Temuco.
Diana, who is pictured second in the photo going from the left to right, is dressed in a blue jacket with sky blue decorations and purple patterned pants. She makes and sells clothing. She says that she likes to be innovative with her products so she also buys clothing in Santiago and sells them directly from her house. Her customers go there to place orders for the clothing that she makes and also to take advantage of the trip by purchasing what she buys in Santiago.
She will use the loan to buy fabric and clothing with new designs. Her goal is to establish herself in her business so that she can open a clothing boutique.

Diana lives with her 4 year old daughter. She goes to a nursery school and Diana uses this time to organize her business. But her schedule is flexible in general since it works well with her daughter’s schedule.

The reason why she continues with her business is that she wants to have her own house and to offer her daughter a better standard of living. To firm up her first project she will use the housing benefit and that’s what she hopes to do during the month of August.
Diana is very happy and thankful for the financing offered her by Fondo Esperanza since it lets her invest in her business and generate higher earnings in the future. She gets along well with the other members of the bank and she organizes various group functions.

Temuco is the capital of the Araucania region and is located 670 kilometers south of Santiago (the capital of Chile). There are a series of bathing spas (Pucón, Villarrica) around the city and beautiful flora and fauna concentrated in the nearby natural parks. It is notable that 50% of the Mapuches, a native people of Chile, live in the area.
View original language description ↓
Este Banco comunal se llama “Los Microempresarios” está conformado por 19 emprendedores que se dedican a diferentes rubros entre los cuales se encuentran peluquería, corte de leña y venta de ropa, entre otros. Todos ellos pertenecientes a la ciudad de Temuco.
Diana quien en la foto se encuentra sentada en el segundo puesto de izquierda a derecha vistiendo una chaqueta color azul con aplicaciones en color celeste y pantalones de color morado estampados, se dedica al corte y confección de ropa. Comenta que le gusta innovar con sus productos, por lo tanto también compra ropa en la ciudad de Santiago y la vende directamente desde su domicilio.
Sus clientes van a su casa para solicitar sus servicios de confección y además aprovechan de comprar ropa que Diana compra en la ciudad de Santiago.
Con el crédito comprará telas y ropa con novedosos diseños.
Sus metas son establecerse en su negocio para abrir una boutique de ropa.
Diana vive junto a su hija de 4 años de edad, ella asiste al jardín infantil, por lo que Diana aprovecha éste tiempo para organizarse con su negocio, sin embargo su horario en general debe ser flexible debido a la compatibilidad en el horario de su hija.
Sus motivaciones de continuar con el negocio, se debe a que quiere obtener su casa propia y brindarle a su hija una mejor situación socioeconómica. Para concretar su primer proyecto postulará al subsidio habitacional, por lo que pretende que se concrete durante el mes de agosto.
Diana se encuentra muy contenta y agradecida del crédito otorgado por Fondo Esperanza, ya que le permitirá invertir en su negocio y generar mayores ganancias en un futuro. Respecto a la relación con los demás emprendedores, ésta ha sido muy buena y se encuentran organizando diversas actividades grupales.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.

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
  • 462.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Microempresarios Group's $3,825 loan helped a member to buy fabric and clothing with new designs.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 1, 2011
Listed
Jul 21, 2011
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2011