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Alerce De Chiloé Group
In this Group: Ana, Angelica, Sandra, Carmen, Sandra, Ana, Liliana, Catalicia, María, Selma, Cesar, Teresa, Bianda, Brigida, Rosa, Doris, Raul
This communal bank, called "Alerce de Chiloé,” is made up of 17 entrepreneurs who work in different occupations such as: handicrafts, beauty salon, dressmaking, farming, and growing vegetables in a greenhouse. All of them are from the city of Puerto Montt.

Ana is a member of the communal bank who is in the middle of the photo. She has dark brown hair and is wearing a black sweater. She has worked in the area of food production for 16 years. She prepares meals in her house that she later offers for sale to people she knows. She works preparing the food on the weekends, and during the week she prepares and sells baked goods and pastries, such as kuchen, to order.

Ana buys the ingredients for the food that she prepares in the supermarkets. With this loan, she will buy ingredients to make her food, such as flour, glaze,custard, merengue, other supplies and gas. Her goals for the business are to establish a bakery or pastry shop in a fixed location, where she could offer and sell all of her culinary products.

Ana lives with her three children aged 15, 10 and 9. Her dream at the personal level is to prosper in her business, so that she can provide her family with a better quality of life.

Ana is very pleased and grateful for the opportunity that Fondo Esperanza has provided her to invest in her business.

Puerto Montt is a city in the southern part of Chile, located in the Los Lagos region. The attractions of Puerto Montt include its beautiful green countrysides, its unpopulated beaches, its cuisine, especially the reputation of its fish and seafood, and its handicrafts. This area is also the gateway to Isla Grande de Chiloé, an area rich in tradition and legends.
View original language description ↓
Este Banco comunal se llama “Alerce de Chiloé” lo conforman 17 emprendedores, quienes se dedican a diferentes rubros entre los cuales se encuentran artesanía, peluquería, costuras, plantación de verduras en invernadero. Todos ellos pertenecientes a la ciudad de Puerto Montt.
Ana integrante del grupo del Banco comunal quien en la foto se encuentra en el lugar de en medio, su cabello es de color castaño oscuro y viste un sweater color negro. Ella se dedica al rubro de la alimentación desde hace 16 años. Prepara comidas en su casa, para posteriormente ofrecerlas y venderlas a conocidos. Ella se dedica a la preparación de comida los fines de semana, mientras que durante la semana prepara y vende a pedido de sus clientes productos de repostería y/o pastelería, como kuchen.
Los ingredientes para sus preparaciones los compra en supermercados.
Con el crédito comprará ingredientes para sus preparaciones de comida, los cuales serán harina, brillo, crema pastelera, merengue, materiales y gas.
Las metas en su negocio son instalarse con una panadería o pastelería en un local establecido, en el cual pueda ofrecer y vender todas sus producciones culinarias.
Ana vive junto a sus tres hijos de 15, 10 y 9 años de edad. Sus sueños a nivel personal son prosperar en su negocio, para brindarle a su familia una mejor calidad de vida.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza para invertir en su negocio.
Puerto Montt es una ciudad del sur de Chile, ubicada en la región de Los Lagos. Una de las atracciones de Puerto Montt son sus bellos paisajes verdes; sus playas poco frecuentadas; su gastronomía y especialmente la reputación de sus pescados y mariscos y sus artesanías. Es también la puerta de entrada a la Isla Grande de Chiloé, rica en tradiciones y leyendas.

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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,587,775
    Funds lent in using Kiva
  • 502.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Alerce De Chiloé Group's $2,650 loan helped a member to buy ingredients for the food she makes, including: flour, glaze, custard, merengue, other supplies and gas.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 11, 2011
Listed
Nov 17, 2011
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2012