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Nuestro Sueño Group
In this Group: Rony, David, Deisson, Irma, Ilia, Agustina, Angelica, Feliciano, Manuel, Rogelio, Gladys, Ruben, Ruth, Natalia, Pamela, Maria, Viviana, Daniel, Nancy, Marcelo
The name of this Community Bank is 'Nuestra Sueño'. There are twenty members, all with businesses such as clothes sales, stallholders, crafts, firewood sales, baker, weaving, services etc. They all live in the town of Temuco.

Rony is the President. He can be seen in the photo standing in the back row second from the right and wearing a dark brown jacket and a blue wool hat. He has earned his living for the last two years selling lemons and carrots in the various local markets. He works from 7:30am to 6:30pm. Rony buys the produce in small stores or sometimes in supermarkets at low prices, whichever is more financially beneficial. With the loan he plans to buy bags of lemons.

One of Rony's business goals is to have a permanent stall in the market so that he can have a calmer place in which to work, earn more money, and thus have a better quality of life.

Rony lives with his wife and two children aged 5 and 3. On a personal level his dream is to one day own a furniture workshop in his home as he does well in this line of work. However, he lacks the necessary tools to start this business. As well, he needs to spend more money in the home because his children are growing so he has to provide them with a good start to life.

He is very happy and grateful to have this opportunity with Fondo Esperanza which will allow him to invest in his business. Commenting on his Community Bank, he says that the members communicate well with each other. As well, the training provided has given him the opportunity to learn new sales and accounting techniques.

Temuco is the capital of the region of Araucanía. The town is located 670 km south of Santiago, the capital of Chile. In the surrounding areas are lake resorts (Pucón, Villarrica), and fascinating native plants and animals.
View original language description ↓
Este Banco Comunal se llama “Nuestro Sueño” está conformado por 20 emprendedores que se dedican al rubro del comercio, específicamente venta de ropa, feriantes, artesanía, venta de leña, repostería, tejidos, servicios entre otros. Todos ellos pertenecientes a la ciudad de Temuco.
Rony, presidente 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 chaleco de color café oscuro y lleva puesto un gorro de lana de color azul.
El se dedica al rubro de vendedor ambulante de limones y zanahorias, desde hace 2 meses. Comenta que trabaja de lunes a sábado desde las 7.30ºº hasta las 18.30ºº horas, en las ferias de su ciudad.
Su mercadería la compra en bodegas y algunas veces en supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará mallas de limones.
Una de las metas de Rony en su negocio, son tener la oportunidad de tener un puesto fijo en la feria para trabajar más tranquilo, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Rony vive junto a su esposa y 2 hijos de 5 y 3 años. Sus sueños a nivel personal es llegar a tener un taller de muebles en su casa, ya que se desempeña bastante bien dentro de este rubro, pero le faltan las herramientas esenciales para comenzar, además existe la necesidad de contar con más recursos en el hogar, porque los hijos van creciendo y al mismo tiempo crece la necesidad de darles un buen pasar.
El se encuentra muy contento y agradecido de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
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 Nuestro Sueño Group's $4,175 loan helped a member to buy bags of lemons.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 26, 2012
Listed
Aug 9, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012