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Proyectando Un Sueño Group
In this Group: Jessica, María, Elisa, Susana, Viviana, Gladys, Katherine, Eleodora, Claudia, Maribel, Bernardita, Ines, Nora, Claribel, Esmerita, Mirella, Johana, Jose, Susana, Rodrigo, Marcela, Edita, Paulina, Cecilia, Nery
This communal bank is called “Proyectando un Sueño” (Designing a Dream) and it’s composed of 25 entrepreneurs who are in a variety of lines of work. Among them are sales of used and new clothes, grocery sales, leather crafts, food preparation, among others. They all are from the Padre de las Casas Commune.

Jessica is communal bank group president and in the photo is seated in the second row, third from right to left. She’s wearing a short-sleeve pink shirt; her hair is short and its color is black.

She’s been doing crafts for ten years. Specifically, she knits with sheep’s wool yarn. Among her products are socks, caps and vests. She comments that she learned the occupation from a course the local municipality taught. She comments that some days of the week she sets herself up in a crafts fair and the rest of the days she sells in a more personalized way to acquaintances nearby.

She buys her materials directly from people who work shearing sheep in the countryside. She will use the loan to buy sheep’s wool yarn. One of her business goals is to get ahead so that she can open a stand-alone store.

Jessica lives with her husband and one of her two daughters who attends school. One of her dreams is to teach the occupation to determined people who might want to venture into it. She’s very happy and grateful for the opportunity Fondo Esperanza is giving her because it will allow her to invest in her business.

She comments that her job as a communal bank group leader has been a very enriching experience for her personal development; her group has facilitated her tenure in office by being united and committed.

Padre Las Casas is a commune in south Chile near the city of Temuco in the Araucanía region. It was named in honor of the Spanish priest Bartolomé de Las Casas who was a defender of Indian rights during the conquest of America. This commune is noted for having a significant Mapuche population. Its economy is based on agroindustry and commercial services.
View original language description ↓
Este Banco comunal se llama “Proyectando un Sueño”, está conformado por 25 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran venta de ropa usada, ropa nueva, abarrotes, artesanía en cuero y preparación de comida, entre otros. Todos ellos pertenecientes a la comuna de Padre de las Casas.
Jessica presidenta del grupo del Banco comunal, quien en la foto se encuentra sentada en la segunda fila, ocupando el tercer lugar de derecha a izquierda. Viste una polera manga corta, color rosado, su cabello lo usa corto, el cual es de color negro.
Ella se dedica al rubro de la artesanía, desde hace 10 años. Específicamente realiza tejidos con lana hilada de oveja. Entre sus producciones se encuentran los calcetines, gorros y chalecos. Comenta que aprendió el oficio a través de un curso que dictó la Municipalidad de la zona. Comenta que algunos días de la semana se instala en una feria artesanal y el resto de los días vende de manera más personalizada a los conocidos de su entorno más cercano.
Sus materiales, los compra directamente a personas que trabajan en la esquila de oveja en el campo.
Con el crédito comprará lana hilada de oveja.
Una de las metas para su negocio es surgir para instalarse con un local establecido.
Jessica vive junto a su marido y una de sus dos hijas, quien estudia. Uno de sus sueños es enseñar el oficio a gente esforzada que quiera emprender.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo esperanza, ya que le permitirá invertir en su negocio.
Comenta que su cargo como directiva del grupo del Banco comunal ha sido una experiencia enriquecedora para desarrollarse en el ámbito personal. Ya que también el grupo ha facilitado su gestión al ser unido y comprometido.
Padre Las Casas es una comuna del sur de Chile, cercana a la ciudad de Temuco, región de la Araucanía. Su nombre le fue dado en honor al sacerdote español Bartolomé de Las Casas, quien fue un defensor de los indígenas durante la conquista de América. Destaca una numerosa población mapuche en esta comuna. Basa su economía en la agroindustria y servicios comerciales.

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
  • 484.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Proyectando Un Sueño Group's $7,650 loan helped a member to buy sheep's wool yarn.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 30, 2012
Listed
Apr 24, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2012