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Lideres Del Futuro Group
In this Group: Nancy, Nelly, Isabel, Elsa, Marisa, Rosa, Tamara, Teresa, Claudia, Patricia, Rosa, Ronald, Leonor , Jacqueline, Daniela, Felipe, Elena, Maribel
This communal bank is called “Lideres del Futuro” [Leaders of the Future]. It is made up of 18 entrepreneurs who work in different areas. Among these are a restaurant, preparing lunches, selling groceries, making pet clothing, doing manicures, and more. All of them belong to the Puente Alto community, located in the city of Santiago.

Nancy is a member of the communal bank. She is standing in the second row, second from the right, wearing a short sleeve shirt and a white skirt. Her hair is dark brown and pulled back. She is a merchant, specifically, she has sold used clothing for 5 years. Her merchandise is for women, men and children. She also sells bedclothing. She works at her locale in the market every day from 8 in the morning until 3 in the afternoon. She says that she has regular customers. She buys her clothes in bundles from a distributor and checks them before selling them to see if they need repairs or cleaning. This way she delivers a quality product to the customer.

With the loan, she will buy clothes for the winter season. One of her goals for her business is to buy a vehicle so she can transport her merchandise. Right now she only has a three wheeled delivery motorcycle. Nancy lives with her husband and her two children, aged 23 and 16, and a cousin. One of her dreams for herself is to take a training course that will allow her to open a new business. She says that she is already getting it all set up.

She is very happy and grateful for the opportunity offered by Fondo Esperanza, since the loan has allowed her to invest in her business. She also enjoys the trainings, since the group is close, committed and supportive. This makes her enthusiastic about attending the meetings. She has also been able to incorporate accounting strategies into her business, learned from the trainings.

Puente Alto is a community located in north Santiago, the capital of Chile. It started as a small rural town at the end of the 19th century. Due to its population growth, it is now one of the communities with the highest population in Chile, with more than 600 thousand residents. It is the gateway to one of the areas of the foothills in the greater metropolitan areas, known as the Cajón del Maipo. It has space for hiking, riding, and rafting, among other activities with lodging and restaurants.
View original language description ↓
Este Banco comunal se llama “Lideres del Futuro” está conformado por 18 emprendedores, quienes se dedican a diferentes rubros, entre los cuales se encuentran atención de un restaurant, preparación de almuerzos, venta de abarrotes en un almacén, confección de ropa para mascotas y servicios de manicure, entre otros. Todos ellos pertenecientes a la comuna de Puente Alto, ubicada en la ciudad de Santiago.
Nancy integrante del grupo del Banco comunal, quien en la foto se encuentra en la segunda fila de pié, ocupando el segundo lugar de derecha a izquierda. Viste una polera manga corta color sandía y una falda larga color blanco. Su cabello lo usa tomado, el cual es de color castaño oscuro.
Ella se dedica al rubro del comercio, específicamente vendiendo ropa usada, desde hace 5 años.
Su mercadería está destinada a damas, varones, niños y también ropa de casa. Trabaja en un puesto que instala en la feria todos los días domingos de 8ºº de la mañana hasta las 3ºº de la tarde, comenta que su clientela es fija.
Sus productos los compra por fardos en una distribuidora, los cuales revisa antes de vender si necesitasen algún arreglo o limpieza. De esta manera entregar un producto de calidad al cliente.
Con el crédito comprará ropa para la temporada de invierno.
Una de las metas para su negocio es comprar un vehículo, que le permita trasladar su mercadería, ya que por ahora solo cuenta con un triciclo de reparto.
Nancy vive junto a su marido, sus dos hijos de 23 y 16 años de edad, además de un primo. Uno de sus sueños en el ámbito personal era capacitarse en algún curso que le permitiera emprender un nuevo negocio, comenta que ya lo está concretando.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo esperanza, ya que el préstamo le ha permitido invertir en su negocio. Además disfruta de las reuniones impartidas, ya que comparte con un grupo unido, comprometido y solidario, situación que la motiva a asistir con entusiasmo a las reuniones. También ha podido incorporar estrategias de contabilidad en su negocio, aprendidas en las capacitaciones.
Puente Alto es una comuna ubicada al norte de Santiago, capital de Chile. Fue fundada como un pequeño pueblo rural a fines del siglo XIX, pero dado su crecimiento demográfico es actualmente una de las comunas con mayor población de Chile, superando los 600 mil habitantes. Es la puerta de entrada a uno de los sectores precordilleranos de la región Metropolitana, conocido como el Cajón del Maipo, sector con espacios de caminatas, cabalgatas, rafting, entre otras actividades y servicios de alojamiento y alimentación.

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
  • 488.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Lideres Del Futuro Group's $6,625 loan helped a member to buy clothes for the winter season.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 2, 2012
Listed
Apr 24, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2012