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Mujeres Emprendedoras Group
In this Group: Verónica, Isabel, Natalia, Ana María, Teresa, Graciela, Paulina, Viviana, Elena, Juana, Pascuala, Verónica, Cecil, Alborada, Danitza, Rosa, Ruth, Marion, Rosa, Ximena
This community bank is called "Enterprising Women." It consists of 19 entrepreneurs, who work in different areas, among which are preparation and sale of sweets, and sales of new clothing and accessories. All the members live in the city of Concepción.

In the photo, Verónica, the president of the communal bank, is seated in the third spot; among the three seated women, she has glasses and her hair is wavy. She makes homemade jams, using whatever fruit is in season. In addition, for the Christmas season, she adds the preparation of fruitcake and cookies to her business. And during the winter season she prepares fruit preserves. She comments that she learned this business by teaching herself and she has been doing it for 10 years. With time, she has increased the number of customers. Since the same clients are the ones who promote her products, she now has a fixed customer base. She buys her supplies, such glass jars, in the city of Santiago, and she gets the fruits in the city of Quillón. With her loan she will buy big pots, in which she will cook the fruit and make it, for example, into marmalade, and in addition, she will buy seasonal fruit. One of her goals for her business is to participate in a course that the municipality offers to perfect her products. Another of her goals is to have a shop in her own house, where she can offer and sell her products.

Verónica lives with her husband and their three daughters, ages 25, 21, and 20, who are studying for professional careers, a situation which makes Verónica very happy and proud. Verónica's motivation to continue with her business is due to the fact that she very much enjoys what she does. In addition, she is very happy and thankful to participate in Fondo Esperanza, since it has permitted her to invest in her business. Apart from this, the training sessions, with the training in accounting, have been a great contribution to her business, since it has permitted her to invest and distribute her income better.

From another perspective, the community bank, of which she is a part, is very united, committed, and supportive, so Veronica feels very comfortable and happy.

Concepción is located at the mouth of the Bíobío river, one of the largest rivers in the country, in the south of Chile in the Bíobío region. It has had an important role in our history, being the site of important battles and related agreements, especially during the war of Arauco, because it was on the frontier of the Mapuche territory. Now the city has experienced important economic and demographic development and has come to be considered one of the most relevant urban, demographic, administrative, financial and commercial centers of Chile, after Santiago and Valparaíso.
View original language description ↓
Este Banco comunal se llama “Mujeres Emprendedoras” está conformado por 19 emprendedoras, quienes se dedican a diferentes rubros, entre los cuales se encuentran preparación y venta de colaciones, venta de ropa nueva y accesorios, entre otros. Todas ellas pertenecientes a la ciudad de Concepción.
Verónica presidenta del grupo del Banco comunal, quien en la foto se encuentra sentada en tercer lugar, entre las tres que lo están, además usa anteojos y su cabello es ondulado.
Se dedica a la producción de mermeladas caseras, de acuerdo a la fruta que esté de temporada. Además para la temporada de navidad agrega a su negocio la preparación de pan de pascua y galletas. Y durante la época de invierno prepara frutas en conserva.
Comenta que éste oficio lo aprendió de manera autodidacta y lo realiza desde hace 10 años.
Con el tiempo ha ido incrementando el número de clientes, ya que sus mismos clientes son quienes promocionan sus productos, por lo que ahora cuenta con clientela fija.
Sus insumos como los frascos de vidrio, los compra en la ciudad de Santiago y las frutas las encarga a la ciudad de Quillón.
Con el crédito comprará ollas grandes, que le servirán para cocer la fruta y después prepararla como mermelada. Además de frutas de temporada.
Una de sus metas para su negocio, es participar de algún curso que otorgue la municipalidad para perfeccionarse en sus preparaciones. Otra de sus metas es tener un local en su misma casa, donde pueda ofrecer y vender sus productos.
Verónica vive junto a su marido y sus tres hijas de 25, 21 y 20 años de edad, quienes estudian carreras profesionales, situación que tiene muy contenta y orgullosa a Verónica.
La motivación de Verónica de continuar con el negocio, se debe a que ella disfruta mucho lo que realiza.
Además está muy contenta y agradecida de participar en Fondo esperanza, ya que le ha permitido invertir en su negocio, por lo demás las capacitaciones han sido un gran aporte para su negocio, con los aprendizajes de contabilidad, ya que le ha permitido invertir y distribuir de mejor manera sus ingresos.
Por otro lado el grupo del Banco comunal, del cual forma parte es muy unido, comprometido y solidario, por lo que Verónica se siente muy cómoda y contenta.
Concepción, está asentada en la desembocadura del río Biobío, uno de los más grandes del país, al sur de Chile, en la región del Bíobío. Ha tenido una importante función en nuestra historia, siendo sede de importantes batallas y asentamiento relevante, especialmente durante la Guerra de Arauco, por estar en la frontera con territorio mapuche. Actualmente la ciudad posee un importante desarrollo económico y demográfico, llegando a ser considerada como uno de los núcleos urbanos, demográfico, administrativo, financiero y comercial más relevantes de Chile, después de Santiago y Valparaíso.

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
  • $2,552,775
    Funds lent in using Kiva
  • 514.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres Emprendedoras Group's $4,975 loan helped a member to buy big pots for cooking fruit and preparing marmalade and to buy seasonal fruits.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 7, 2011
Listed
Dec 13, 2011
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2012