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Trigal Group
In this Group: Irma, Carlos, Carolina, María, Claudia, Claudia, Marta, Matilde, Veronica, María Angelica, Marisol, Judit, Lorena, Doris, Cecilia, Estephanie, Sandra, Soledad, María, Marisel, Ana María
The community bank, called "Trigal", is comprised of 21 entrepreneurs who run different businesses including a confectioners, a chocolate store, a jewelry store, clothes and toy sales, and others. They are all from the city of Puerto Montt.
Irma, a member of the community bank, is in the second row of the photo in the fourth place from left to right. She has short, chestnut-colored hair and is wearing a black sweater and light blue jeans and black shoes. For further reference, she is between a woman with gray hair and a woman who is wearing a shiny metallic jacket.
She works selling new clothes for men, women, and children. She specializes in lingerie and underwear and also sells household linens. She has been doing this work for 2 years. She sells her goods door to door and also from her home, and so her timetable is flexible and she can keep the weekends for her family and home.
She will soon lease a store and this will enable her to stock her business with a greater quantity of merchandise.
She buys her goods by the parcel from 2 large distributors.
She will use the loan to buy household linens.
Her goals for her business are to become independent which will give her the opportunity for higher profits.
Irma lives with her husband and 2 children who are 18 and 2 years old. Her oldest son is studying business. One of her personal goals is to travel with her family and enjoy some good vacations.
She is very happy and grateful for the opportunity that Fondo Esperanza has offered her to invest in her business. She says that it has been a huge help.
The trainings have taught her new strategies for investment and accounting. What's more, she feels very comfortable with the community bank that she is a part of as they have shared similar experiences.
Puerto Montt is a city in the south of Chile, located in the region of Los Lagos. Puerto Montt's attractions include beautiful green countryside, quiet beaches, great food (particularly the fish and seafood), and its crafts. It is also the port of entrance for Isla Grande de Chiloé, which is rich in traditional and legends.
View original language description ↓
Este Banco comunal se llama “Trigal” está conformado por 21 emprendedores, quienes se dedican a diferentes rubros, entre los cuales se encuentran repostería, chocolatería, joyería, venta de ropa y juguetes, entre otros negocios. Todos ellos pertenecientes a la ciudad de Puerto Montt.
Irma integrante del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila, ocupando el cuarto lugar de izquierda a derecha, su cabello es corto color castaño oscuro, usa un sweater color negro, jeans color celeste y zapatos negros. Para una mayor referencia se encuentra detrás de una señora de cabello cano y una señora quien viste una chaqueta bordo metálico o brillante.
Se dedica a la venta de ropa nueva para varón, dama y niños. Específicamente lencería y ropa interior, también vende ropa para la casa. Trabaja en éste negocio desde hace 2 años. Ofrece su mercadería puerta a puerta y también desde su casa, por lo que su horario es relativo y los fines de semana los destina para su familia y su hogar.
Próximamente arrendará un local establecido, lo que le permitirá abastecer su negocio con una mayor cantidad de mercadería.
Su mercadería la compra en dos grandes distribuidoras y las realiza por encomienda.
Con el crédito comprará ropa de casa.
Sus metas en su negocio son independizarse y que éste le brinde la posibilidad de obtener mayores utilidades.
Irma vive junto a su marido y sus dos hijos de 18 y 2 años de edad, su hijo mayor estudia la carrera de Administración de empresas. Uno de sus sueños a nivel personal es viajar con su familia y disfrutar de unas buenas vacaciones.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio. Comenta que ha sido una ayuda inmensa.
Respecto a las capacitaciones, éstas le han permitido conocer nuevas estrategias de inversión y contabilidad. Además se siente muy cómoda con el grupo del Banco comunal del cual forma parte, ya que han compartido experiencias similares.
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
  • $2,552,775
    Funds lent in using Kiva
  • 521.8
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Trigal Group's $4,475 loan helped a member to buy household linens.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 21, 2011
Listed
Dec 24, 2011
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2012