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Las Heroinas De Labranza Group
In this Group: Maria, Olga, Paula, Maribel, Claudia, Andrea, Angell, Elizabeth, Nelly, Sara, Luz, Nelly, Carolina, Carolina, Katherine, Darly, Heidy, Gloria
This communal bank is called Las Heroínas de Labranza. It is comprised of 18 entrepreneurs who devote themselves to different lines of work. Among the lines of work are selling vegetables, selling medicine, making clothes, a mini-market, knitted goods, selling decorations, a store, selling clothes, and providing services, among others. All of the members are from the city of Temuco.

Teresa is the treasurer of the communal bank. In the photo she is standing in the last row, second from the right. She has on a black jacket, and her hair is dark brown. She is wearing it down, and she has on large silver colored earrings.

She has been selling beauty products and bedding like sheets for three years. She works from Monday through Sunday. She sees to her business at home, and she arranges her schedule according to her availability. She buys her merchandise, bales of clothing, at warehouses. She buys the beauty products by catalogs. She gets them at low prices, which is cost-effective. She will use the loan to buy bales of clothes and beauty products.

One of Teresa’s goals for her business is to have a stable business where she is able to sell all types of clothes and add the sale of perfumes. She wants to do this in order to generate greater income. This way she can choose to have a better quality of life.

Teresa lives with her husband and four children, ages 12, 9, 5, and 3. Her dreams on a personal level are to continue with the business and to have more resources at home. This is because the children are growing, and while they are growing the need to give them a good life also grows.

She is very happy and grateful for the opportunity provided by Fondo Esperanza. It will allow her to invest in her business. She says that the trainings have been essential for her business and for her personal development. She has learned to organize and distribute her income and investments in a better way.

Temuco is the capital of the Araucanía region. The city is 670 kilometers south of Santiago (capital of Chile). On the outskirts there are a series of lakeside resorts (Pucon, Villarica) and striking native flora and fauna concentrated in the nearby natural parks. Half of the Mapuche people, an indigenous group in Chile, live in this region.
View original language description ↓
Este Banco Comunal se llama “Las Heroínas de Labranza” está conformado por 18 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; verdulería, venta de remedios, confección de ropa, minimarket, tejidos, venta de adornos, almacén, venta de ropa, servicios entre otros. Todos ellos pertenecientes a la ciudad de Temuco.
Teresa, tesorera del grupo del Banco Comunal, quien en la foto se encuentra de pie en la última fila, ocupando el segundo lugar de derecha a izquierda, viste un poleron de color negro, su cabello es de color castaño oscuro y lo usa suelto y usa unos aros grandes ce color plata.
Ella se dedica al rubro de comerciante específicamente a la venta de productos de belleza y ropa de cama como sabanas, desde hace 3 años. Se desempeña en sus labores de lunes a domingo, atiende en su casa y su horario lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en bodegas donde compra fardos de ropa y los productos de belleza los compra por catálogos, a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprará fardos de ropa y productos de belleza.
Unas de las metas de Teresa en su negocio, es tener un negocio estable donde pueda vender ropa de toda clase y agregar venta de perfumes, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Teresa vive junto a su esposo y 4 hijos de 12, 9, 5 y 3 años de edad. Sus sueños a nivel personal son continuar con el negocio y de contar con mas recursos en el hogar, porque los hijos van creciendo y al mismo tiempo crece la necesidad de darles un buen pasar.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que las capacitaciones han sido fundamentales para su negocio y también para su desarrollo personal, ya que ha a prendido a organizar y distribuir de mejor manera sus ingresos e inversiones.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.




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
  • 482.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Heroinas De Labranza Group's $7,800 loan helped a member to buy bales of clothes and beauty products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 19, 2012
Listed
Aug 9, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012