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Tabunco Fran Group
In this Group: María Eugenia, María Cecilia, Fresia , Luisa , Clara, Roberto, Carlos, Carlos, Rodolfo, Claudia, Ivan, Francisca, Lucia, María Loreto, Ana , Carmen, Rosa
This Communal Bank is called “Tabunco Fran” and is made up of 17 entrepreneurs, each owning a different business. Some of those include, bakery, dried goods sales, new and used clothing sales, toy sales, radio taxi service and fast food sales, among others. They are all from the city of Talca.
Maria is the president of the Communal Bank group and is in the 1st row of the photo, 4th from the left, wearing a white short sleeve shirt, beige pants with stripes and black sandals. She has short dark brown hair and is short.
She’s been making baked goods, specifically, tarts and lemon pies, for 3 years. She taught herself. She sells from her home to acquaintances, family members and friends, made to order or for celebrations. She promotes her bakery business by word of mouth.
She buys her ingredients in different wholesale stores, supermarkets and suppliers to buy utensils and ingredients.
With the loan, she will buy gas, 46 Kg of flour and cake molds, the latter she’ll order from the city of Santiago.
Her business goals are to find an established place where she can prepare and sell her baked goods.
Maria lives with her 2 daughters, 25 and 21, both in university.
One of her personal goals is to take a baking course to perfect her skills.
She is very happy and grateful for the opportunity afforded her by Fondo Esperanza, as she’ll be able to invest in her business. In terms of the group, she tells us she feels very comfortable as the members are motivated and committed to their businesses. In terms of the training, she has learned new sales and investment strategies.
Talca is part of the region of Maule, which is located in the central area of the country. It is the administrative, economic and cultural center of the region, being the most important city of the Chilean Central Valley. In Chile there exists a curious reference to Talca, the saying, "Talca, Paris y Londres" (Talca, Paris and London). Among the reasoning for this saying, some think it’s a derivation of something said by an Englishman, "Talca parece Londres" (Talca looks like London; when pronounced in Spanish, “looks like” sounds like the word “Paris”) because of the abundant fog that covers the Chilean city in winter time, just like the capital of the United Kingdom.
View original language description ↓
Este Banco comunal se llama “Tabunco Fran” está conformado por 17 emprendedores, quienes se dedican a diferentes rubros, entre los cuales se encuentran pastelería, venta de frutos secos, venta de ropa nueva y ropa usada, venta de juguetes, servicio de radio taxi y preparación de comida rápida, entre otros. Todos ellos pertenecientes a la ciudad de Talca.
María presidenta del grupo del Banco comunal, quien en la foto se encuentra en la primera fila, ocupando el cuarto lugar de izquierda a derecha, viste con una polera manga corta de color blanco, además usa unos pantalones color beige de rayas y chalas color negro. Su cabello es corto y de color castaño oscuro, además de estatura baja.
Ella se dedica a la repostería, específicamente preparando tortas y pie de limón. Desde hace tres años, comenta que aprendió de manera autodidacta.
Sus ventas las realiza desde su casa a conocidos, familiares y amigos, quienes solicitan sus preparaciones, de acuerdo a sus gustos o celebraciones. Promociona sus servicios de repostería de boca en boca.
Su mercadería la compra en diferentes comercios mayoristas, supermercados y proveedores, para comprar sus utensilios e ingredientes.
Con el crédito comprará un quintal de harina, gas y moldes para torta, estos últimos los encargará a la ciudad de Santiago.
Las metas para su negocio son instalarse con un local establecido, en el cual pueda preparar y ofrecer sus productos.
María vive junto a sus dos hijas de 25 y 21 años de edad, ambas estudian en la Universidad.
Uno de sus sueños a nivel personal es realizar algún curso de repostería, para perfeccionarse en su negocio.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo del cual forma parte, comenta que se siente muy cómoda, ya que los integrantes están motivados y comprometidos con cada uno de sus negocios.
En cuanto a las capacitaciones, éstas le han servido para aprender nuevas estrategias de ventas e inversión.
Talca pertenece a la región del Maule, ubicada en la zona centro del país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante del Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital del Reino Unido.

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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 482.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Tabunco Fran Group's $3,500 loan helped a member buy gas, 46 Kg of flour and cake molds, the latter she’ll order from the city of Santiago.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 19, 2012
Listed
Mar 25, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2012