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Las Abejitas Y El Zángano Group
In this Group: Doris, Evelyn, Sylvia, Marta, Emilia, Sandra, Carmen Goria, Natalia, María Inés, Flor, Karen , Rosa, Cyntia, Jessica, Nicole, Marjorie, Jennifer
This communal bank is called “Las Abejitas y el Zángano” (The Little Bees and the Drone) and is made up of 17 entrepreneurs who are in a variety of lines of work. Among them are: clothes sales, bakery, pastry making and dress designing and dress making. All of them are from the San Bernardo Commune in the city of Santiago.

Doris is communal bank President and in the photo she’s seated in the second row, first position from left to right, with short, wavy hair. She sells seasonal clothing. During this winter she’s focused on selling fleece pajamas (warm, cozy fabric) and in summer she sells t-shirts. Doris has quite a bit of experience in this line of work because she’s been working for 20 years. She buys her merchandise from suppliers in downtown Santiago and sells door to door according to orders placed by her customers and this way she can distribute her time more flexibly. She currently has 90 customers. She will use the loan to buy shower curtains at wholesale. Her business goal is to set up a stand at a free market to sell her merchandise from a fixed locale.

Doris lives with her husband, two daughters and her mother. Her daughters go to university which is one of the motivators for her to stay in business. Her dream on a personal level is to travel and get to know other cities.

She is very happy and grateful for the loan from Fondo Esperanza because it’s provided new and better life opportunities. With respect to the group, she feels very comfortable and confident. She comments that despite her vast experience in this line of work she always learns something new in the training sessions conducted at the communal bank meetings.

San Bernardo is a city located 18km away in a straight line from Santiago’s (Capital of Chile) main square. It’s known as the Capital of Folklore because in January of every year the International Folklore Festival takes place, an event in which the country’s roots meet and musical groups from throughout South America come together. The Traditional Crafts Fair takes place as well where artisans from both Chile and from nearby countries participate. In April, an event called “Abril Cuecas Mil” takes place that consists in putting the entire commune to dance Cueca (traditional Chilean dance).
View original language description ↓
Este banco comunal se llama “Las Abejitas y el Zángano” está conformado por 17 emprendedoras que se dedican a diferentes rubros entre los cuales se encuentran venta de ropa, amasandería, repostería, además corte y confección de ropa. Todas ellas pertenecientes a la comuna de San Bernardo, ciudad de Santiago.
Doris presidenta del banco comunal quien en la foto se encuentra sentada en segunda fila, en el primer puesto de izquierda a derecha, usando su cabello corto y ondulado. Se dedica a la venta de ropa de temporada, durante este invierno se ha dedicado a vender pijamas de polar (tela abrigadora), durante la temporada de verano se dedica a vender poleras. Doris tiene mucha experiencia en el rubro, ya que trabaja desde hace 20 años, su mercadería la compra en distribuidoras en el centro de la ciudad de Santiago y la vende a domicilio, de acuerdo a los pedidos que encargue su clientela, por lo que ella distribuye sus tiempos de manera más flexible. En la actualidad ella cuenta con 90 clientes.
Con el crédito comprará cortinas de baño al por mayor.
Sus metas en su negocio son optar a un puesto en un persa (feria libre), para así vender su mercadería en un local establecido.
Doris vive junto a su marido, dos hijas y su madre. Sus hijas estudian en la universidad, por lo que es una de sus motivaciones para continuar avanzando en su negocio. Sus sueños a nivel personal son viajar para conocer otras ciudades.
Ella está muy contenta y agradecida del crédito obtenido por fondo Esperanza, ya que le ha brindado nuevas y mejores oportunidades en su vida. Respecto al grupo, se siente muy cómoda y confiada. Comenta que a pesar de la vasta experiencia en el rubro, siempre se aprende algo nuevo como en las capacitaciones impartidas en las reuniones del Banco comunal.
San Bernardo es una ciudad, ubicada a 18 km. en línea recta hacia el sur desde la plaza de armas de Santiago (capital de Chile). Es conocida como la capital del folklore, debido a que cada año, en enero, se realiza el "Festival Internacional del Folklore", un evento en el que las raíces del país se dan cita y se reúnen agrupaciones musicales de toda Sudamérica. También se desarrolla la "Feria de Artesanía Tradicional", en la que participan tanto artesanos chilenos como de otros países cercanos. Luego en abril se realiza el evento “Abril cuecas Mil” que consiste en hacer bailar cueca (baile tradicional chileno) a toda la comuna.

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
  • 472.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Abejitas Y El Zángano Group's $3,225 loan helped a member to buy shower curtains at wholesale.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 11, 2011
Listed
Aug 16, 2011
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2011