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Triunfadores De Los Ríos Group
In this Group: Margarita, Ruth, Andrea, Lorena, Adriana, Gladys, Sandra, Leticia, Víctor, Katherine, Leslie, Daniela, Barbara, Olga, Karen, Erna
This communal bank is called Triunfadores de los Ríos. It is made up of 16 entrepreneurs who are working in different fields among which are making party dresses, selling perfumes, shoe sales, jewelry and tablecloths, as well as preparing jams and cookies, and finally they are working in radio and business. All of them are residents of Valdivia.

Margareta is a member of the the communal bank who in the photo can be found in the second row, standing up, the third place from left to right, dressed in a beige color jacket with a black t-shirt underneath it, and her hair pulled back.

She has been working in the field of offering services, specifically massage therapy (alternative therapy) for one year. She offers muscle massages, relaxation, and reduction.

She comments that she offers her services at home so her work schedule is flexible. Also, in her home she has made a massage room that she is using for this business.

The supplies that she needs are natural oils, which she gets by the liter, so it lasts for a month. With the money from the loan she will buy suction cups (articles used for massages).

Her goals are to have an established facility, independently, to teach massage classes and for this she says that she needs an institution that gives a seal of approval in order for her classes to be more prestigious and offer diplomas.

Margarita lives with her husband and one of her dreams is to progress professionally. To do this she wants to specialize in bio magnetic therapy (message with magnets.)

She is very happy and grateful for the opportunity given through Fondo Esperanza, allowing her to invest in her business. She always enjoys the meetings and the training given to the group.

Valdivia is a city in the south of Chile located in the Los Ríos region. It is notable for having one of the few navigable rivers in Chile, the Calle Calle. Valdivia has, within its primary economic activity, the shipbuilding industry, timber, paper, cellulose (Celco), brewing and milling. Tourism plays an important role, as well as university educational services, led by the Universidad Austral de Chile.
View original language description ↓
Este Banco comunal se llama “Triunfadores de los Ríos”, está conformado por 16 emprendedores, quienes se dedican a diferentes rubros entre los cuales se encuentran confección de vestidos de gala, venta de perfumes, venta de calzado, ropa, joyas y manteles, además de la preparación de mermeladas y galletas, y finalmente quienes se desempeñan en radio y negocio. Todos ellos pertenecientes a la ciudad de Valdivia.
Margarita integrante del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila de pié, ocupando el tercer lugar de izquierda a derecha, viste una chaqueta color beige, una polera color negro debajo y usa su cabello tomado.
Ella se dedica al rubro de la prestación de servicios, específicamente desempeñándose en masoterapia (Terapia alternativa), desde hace 1 año. Ofrece masajes descontracturantes, de relajación y reductivos.
Comenta que presta sus servicios a domicilio, por lo que su horario de trabajo es flexible. Además en su casa también realiza los masajes en un dormitorio que habilitó para su negocio.
Los insumos que necesita son aceites naturales, los cuales los envía a preparar por litro, los cuales le sirven para un mes.
Con el crédito comprará ventosas (artículos de masajes para descontracturar).
Sus metas son contar con un local establecido, de manera independiente, además impartir cursos de masajes, para esto comenta que necesita de alguna institución que le brinde algún sello de garantía para tener un mayor prestigio a sus clases y posteriores diplomas.
Margarita vive junto a su marido y uno de sus sueños son realizarse profesionalmente, para esto quiere especializarse en la terapia bio magnética (masajes con imanes).
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Además disfruta de las reuniones y capacitaciones impartidas junto al grupo.
Valdivia es una ciudad del sur de Chile, ubicada en la región de Los Ríos. Se destaca por tener uno de los pocos ríos navegables de Chile, el Calle Calle. Valdivia presenta, dentro de sus principales actividades económicas, la industria de la construcción naval, maderera, papelera, celulosa (Celco), cervecera y molinera. El turismo desempeña un papel importante, como también los servicios educacionales universitarios, encabezados por la Universidad Austral de Chile.

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
  • 499.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Triunfadores De Los Ríos Group's $3,100 loan helped a member to buy suction cups for massage purposes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 23, 2011
Listed
Jan 23, 2012
Currency Exchange Loss:
Possible
Ended:
May 15, 2012