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Nuevo Sendero Group
In this Group: Marcela, Marta, Inés , Adriana, Viviana, Noemi, María, Marisol, Sara, Mariela, Jacob, Jocelyn, Valeria, Eugenia, Isabel, Claudia, Yolanda, Vanesa, Valeria, Mariela
This communal bank is called Nuevo Sendero and is made up of 20 entrepreneurs who work in different areas such as the preparation of fast food and the sale of vegetables, clothing and variety items. All are from the city of Chillán.

Marcela is the member of the communal bank who is seen in the photo in the second row, third from the right. She is smiling and wearing a lilac colored shirt with a beige jacket. She has been a merchant, specifically selling used clothing, for a year and a half and says that since she started she has been well received by customers. She works from Monday to Friday selling her wares door to door or her customers come to her home. On weekends she sells her goods at street markets.

With the loan she will buy bundles of clothes for her business. Her goal is to set herself up in an established shop within two years so that she can showcase her clothing in display cases.

Marecela lives with her husband and 4 year old daughter. One of her personal dreams is to study obstetrics or podiatry. In order to make this dream a reality, she will enroll at the beginning of 2012.

She is very pleased and grateful for the opportunity to invest in her business that Fondo Esperanza has provided. As well, she speaks of the good treatment she has received from the association. With respect to her membership in the communal bank, she notes that the group is very united and responsible and because of this, she has felt very comfortable. The leadership training sessions have helped her to better apportion her income and learn how to do business.

Chillán is a township in the south central area of Chile. Its name means “silla del sol” (“chair of the sun”) in Mapudungun, the language of our indigenous Mapuches. Chillán is known as “Cuna de la Patria” (“Cradle of the Homeland”) or “Tierra de Artristas” (“Land of Artists”), because many figures prominent in Chilean history were born here, such as for example, the well-known pianist, Claudio Arrau.
View original language description ↓
Este Banco comunal se llama “Nuevo Sendero” está conformado por 20 emprendedores, quienes se dedican a diferentes rubros, entre los cuales se encuentran preparación de comida rápida, venta de verduras, ropa y artículos de bazar. Todos ellos pertenecientes a la ciudad de Chillán.

Marcela integrante del grupo del Banco comunal, quien en la foto se encuentra en segunda fila,ocupa el tercer lugar de derecha a izquierda, está sonrriendo, además viste una polera color lila y encima tiene puesto un chaleco color beige. Ella se dedica al rubro del comercio, específicamente vendiendo ropa usada desde hace un año y medio, comenta que desde sus comienzos ha tenido muy buena recepción por parte de sus clientes.
Trabaja de lunes a viernes ofreciendo sus productos puerta a puerta o sus clientes se dirigen a su domicilio.
Mientras que los fines de semana vende, sus productos en ferias libres.
Con el crédito comprará fardos de ropa para abastecer su negocio.
Sus metas, con plazo de dos años son instalarse en un local establecido, de esta manera ofrecer su mercadería de ropa en vitrinas.
Marcela vive junto a su marido y su hija de 4 años de edad, uno de sus sueños a nivel personal son estudiar la carrera de obstetricia o podología. Para concretar este proyecto se inscribirá y matriculará a comienzos del año 2012.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza para invertir en su negocio, además comenta del buen trato que ha recibido en la institución. Respecto al grupo del cual forma parte en el Banco comunal, comenta que es muy unido y responsable, por lo que se ha sentido muy cómoda.
Por su parte las capacitaciones de emprendimiento, le han servido para distribuir de mejor manera sus ingresos y también aprender a negociar.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.

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
  • $2,637,700
    Funds lent in using Kiva
  • 510.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Nuevo Sendero Group's $3,300 loan helped a member to buy bundles of clothing to stock her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 28, 2011
Listed
Nov 25, 2011
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2012