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Seucheleufu Group
In this Group: Patricia, Margarita, Gloria, Jency, Natalia, Marisol, Ingrid, Gladys, María, Sergio, Aurora, Guido, Andrea, Luz, Lidia, Silvia, Tamara, Jocelynne, Jessica, Alejandra
This communal bank is called “Seucheleufu” and it has 20 enterprising members who carry out a variety of occupations. Among them are found: used clothes sales, new clothes sales, grocery sales, sales of fruit, eggs, groceries, leather working, pastry making and taxi and collective transportation service providing. All are residents of the city of Temuco.

Patricia is a communal bank member. In the photo she’s in the front row, first from left to right, wearing a black sweatshirt and blue jeans; she wears her hair loose. She’s been a merchant for ten years. She started out as a street vendor but a year ago set up a home-based grocery store. Her work schedule is 9am to 10:30pm. She comments that she has quite a few customers though she says that the time of highest sales is evening. She buys her merchandise in wholesale supermarkets and from suppliers. The loan is to buy merchandise to stock the store. Her business goal is to expand the locale she currently has to stock it with merchandise and a greater variety of products; her projection is to have a minimarket.

Patricia lives with her two children who are 13 and 7 years of age. Her dream on a personal level is to stay in business since this is her means of family support; she’d also like to buy a vehicle to transport her merchandise each time she buys it. Another of her dreams is to restart her risk prevention studies. She’s very happy and grateful for the loan and the services provided by Fondo. She comments that there is a very good relationship in the communal bank because there is trust and commitment.

Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago (Capital of Chile). There is a series of lakeside resorts around it (Pucón, Villarrica) and very showy flora and fauna concentrated in nearby natural parks. It’s worth mentioning that 50% of the Mapuche indigenous population that exists in our country lives in this region.
View original language description ↓
Este Banco comunal se llama “Seucheleufu” lo conforman 20 emprendedores, quienes se dedican a diferentes rubros entre los cuales se encuentran, venta de ropa usada, nueva, venta de provisiones, frutas, huevos, abarrotes, además marroquinería, preparación de productos de repostería y prestación de servicios en movilización de taxis y colectivos. Todos ellos pertenecientes a la ciudad de Temuco.
Patricia integrante del grupo del Banco comunal, quien en la foto se encuentra en la primera fila y ocupa el primer lugar de izquierda a derecha, viste un polerón negro y jeans azules, su cabello además lo usa suelto. Ella se dedica al rubro del comercio desde hace 10 años. Comenzó como comerciante ambulante y desde hace 1 año se estableció con un local establecido de abarrotes, ubicado al interior de su casa.
Su horario laboral es de 9ºº de la mañana, hasta las 10:30 de la noche, comenta que tiene bastante clientela, sin embargo el momento del día que más vende es durante las tardes.
Su mercadería la compra en supermercados mayoristas y distribuidoras.
Con el crédito comprará mercadería para surtir su negocio.
Las metas en su negocio son ampliar el local que actualmente tiene, para abastecerlo de mercadería y mayor variedad de productos, sus proyecciones son tener un minimarket.
Patricia vive junto a sus dos hijos de 13 y 7 años de edad, sus sueños a nivel personal son continuar con su negocio, ya que éste le proporciona el sustento económico que su familia necesita, además comprar un vehículo que le permita trasladar su mercadería cada vez que la compra.
Otro de sus sueños es retomar con sus estudios en prevención de riesgos.
Ella está muy contenta y agradecida del crédito y los servicios brindados por Fondo, comenta que existe una my buena relación junto al grupo del Banco comunal, ya que hay confianza y compromiso.
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
  • 514.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Seucheleufu Group's $3,850 loan helped a member to buy merchandise to stock her store.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 24, 2011
Listed
Oct 24, 2011
Currency Exchange Loss:
Possible
Ended:
Mar 21, 2012