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Santa Barbara De Casablanca Group
In this Group: Tomasa, Isabel, Sandra, Lucila, Sonia, María, Ana Luisa, Juan, Alicia, Myriam, Graciela, Mauricio, Carlos, Paola, Ercilia, Fernando, Laura, Raquel, Veronica
This community bank is called 'Santa Bárbara de Casablanca' and it has 19 members who are all entrepreneurs and work in different fields including: selling packaging items, preparing fast food, running a bakery business, providing a taxi service, knitting handicrafts, sewing, etc. All of the bank's members live in the town of Casablanca, in Valparaíso province.

Tomasa is the community bank's delegate. In the photo, she is standing in the second row behind the sofa. She is the third person from the left. She has dark-brown, shoulder-length, wavy hair and bangs (fringe). She is wearing a patterned, sleeveless top. In the photo you can just make out her arm and part of her top.

Tomasa is in the cosmetology business. She provides a skin cleansing service and sells beauty creams. She says that she completed a cosmetology course and has been in this line of work for 30 years now.

Tomasa buys the products that she needs for her services in a specialist beauty product store that serves professionals, in the city of Viña del Mar. She tells us that she also provides cocktail bar-tending services. She completed a catering course and she prepares and sells her products from home. She also hires out chairs, tables, tablecloths, dinner services, etc.

Tomasa will use her loan to buy tablecloths and a machine for carrying out skin massages.

Tomasa lives together with her husband and a 22-year-old son who is studying for a college degree in social work. She is very happy and grateful for the opportunity provided by Fondo Esperanza as she considers it to be a tremendous support for her business. Regarding her community bank, she says that they are very united and organized.

Casablanca is a town in Valparaíso province, which is located in the region of the same name. This area has a Mediterranean-type climate with summers of prolonged drought and short, but heavy, winter rains. The name 'Casablanca' comes from the 16th Century when there was a house with white walls on a hill to the side of one of the area's oldest roads called 'Camino Real de Carretas'. The town's economy is currently based on services, farming, transport, agribusiness, tourism and commerce.
View original language description ↓
Este Banco comunal se llama “Santa Bárbara de Casablanca” está conformado por 19 emprendedores, quienes se dedican a diferentes rubros, entre los cuales se encuentran venta de artículos de paquetería, preparación de comida rápida, amasandería, servicio de taxi, artesanía en lana y costuras, entre otros. Todos ellos pertenecientes a la comuna de Casablanca, ubicada en la ciudad de Valparaíso.
Tomasa delegada del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila de pié, detrás del sofá es la tercera de izquierda a derecha, su cabello lo usa hasta el hombro, ondulado y es de color castaño oscuro, con chasquilla. Viste una polera sin mangas estampada, en la foto solo se alcanza a ver su brazo y una parte de su polera.
Ella se dedica al rubro de la cosmetología, realizando limpiezas de cutis y vendiendo cremas de belleza. Comenta que realizó un curso de cosmetología y se dedica a éste rubro desde hace 30 años.
Los productos que necesita para realizar sus servicios, los compra en un local especialista en productos de belleza para profesionales, en la ciudad de Viña del Mar.
Además comenta que también se dedica a prestar servicios de coctelería, prepara y vende desde su casa, ya que estudió banquetería. Ella también arrienda sillas, mesas, manteles, servicios para comer, entre otros.
Con el crédito comprará manteles o una máquina para realizar masajes al cutis.
Tomasa vive junto a su marido y su hijo de 22 años de edad, quien estudia en la Universidad, la carrera de Trabajo Social.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que considera ha sido un tremendo apoyo para su negocio.
Respecto al grupo del Banco comunal, comenta que son muy unidos y organizados.
Casablanca es una comuna de la provincia de Valparaíso, ubicada en la región del mismo nombre. Tiene un clima de tipo mediterráneo, con veranos de sequía prolongada y lluvias invernales cortas, pero muy fuertes. El nombre “Casablanca” proviene del siglo XVI cuando existía “una casa de muros blanquecinos” sobre una loma ubicada a un costado de uno de sus caminos más antiguos, llamado camino real de carretas.
Actualmente su economía se basa en servicios, agricultura, transporte, agroindustria, turismo, comercio.


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
  • $2,587,775
    Funds lent in using Kiva
  • 482.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Santa Barbara De Casablanca Group's $5,400 loan helped a member to buy tablecloths and a machine for performing skin massages.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 12, 2012
Listed
Mar 26, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2012