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2012 Group
In this Group: Alejandra, Yohana, Ana, Jeannette, Makarena, Karina, Francisca, Maciel, Barbara, Bruno, Eliana , Erica, Margot, Arline, Reinaldo
This communal bank is called “2012”. It is made up of 15 entrepreneurs who are involved in different economic activities. These include: baking, podiatry, textile handicrafts, selling charcoal, services and other activities. All of the members are originally from the city of Valdivia.

Alejandra is the group’s president. In the photo she is the second woman from the right in the front row, and is wearing a black jacket and white earrings with her hair parted to one side. Alejandra makes a living selling women’s clothing and perfumes, and has been involved in this business for 30 years. She sells a diverse range of clothing, as her products are generally for women of all ages. She normally buys her merchandise online in Santiago.

Alejandra will use the loan to purchase women’s sweaters in different styles and sizes. She plans to expand her business by buying a variety of products so she can have a larger clientele and thus achieve a better quality of life. Alejandra lives with her husband, who is a government official, and their 3 small children. Her dream is to own a house.

Alejandra is very happy and grateful for the loan and services that Fondo Esperanza has provided. She says that she feels very comfortable being part of her communal bank, since the members are very close and respectful toward one another.

Chillán is a city in the south-central part of Chile. Its name means “the chair of the sun” in Mapudungun, the language of the indigenous Mapuche people. Chillán is known as the “Cradle of the Country” or the “Land of Artists”, as many important figures in the history of Chile were born in the city, such as the famous pianist Claudio Arrau.
View original language description ↓
Este Banco Comunal se llama “2012” está conformado por 15 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; Repostería, podología, artesanía en tejido, venta de carbón, servicios entre otros. Todos ellos pertenecientes a la ciudad de Valdivia.
Alejandra presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie en segunda fila al fondo de derecha a izquierda, viste una chaqueta negra, aros blancos y su cabello esta tomado hacia el lado.
Ella se dedica al rubro venta de ropa de mujer y perfumes, se ocupa de su negocio hace 30 años. Su mercadería en ropa es diversa, ya que generalmente sus productos son para todas las edades.
Su mercadería la compra generalmente en Santiago por internet. Con el crédito comprara chalecos de mujeres de diferentes modelos y diferentes tallas.
Sus metas son ampliar su negocio, comprando diversos productos para tener más clientela y así con esto optar a una mejor calidad de vida.
Alejandra vive junto a su marido quien se desempeña como Funcionario Público y 3 hijos pequeños. Sus sueños son poder tener una casa propia.
Alejandra está muy contenta y agradecida del crédito y servicios otorgados por Fondo Esperanza. Además comenta que se siente muy cómoda con el grupo del Banco Comunal ya que existe respeto y son unidos.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.

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
  • 485.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of 2012 Group's $3,175 loan helped a member to purchase women’s sweaters in different styles and sizes.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 12, 2012
May 16, 2012
Currency Exchange Loss:
Aug 15, 2012