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Newen Pu Domo Group
In this Group: Yasna, Carmen, Janett, Clara, Veronica, Maria, Ximena, Marcela, Jacqueline, Robertina, Carolina, Patricia, Erwin, Graciela, Karina, Isabel, Juana, Guissel
This communal bank is called “Newen pu Domo”. It is made up of 18 entrepeneurs who work in different areas. Among them are selling firewood, selling clothes, a small store, selling clothes, pastry making, selling flowers, selling jewelry, selling car parts, and service, among others. All of them belong to the city of Temuco.

Yasna, the president of the communal bank group. In the photo, she is seated thrd from the right. She is wearing a oink t-shirt and her hair is light brown and loose.
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She has worked selling gambling games and packaging for 7 years. She says that she works with her mother, since she has a flower shop in the same place where Yasna has her business. She works Monday to Sunday and her hours are according to her availability.

The merchandise she needs she buys from supermarkets and distributors. Other times she buys it from the city of Santiago at a low cost, so it is financially convenient. With the loan, she will buy women's winter clothing to stock her business.

One of Yasna's goals is to keep growing and be able to stock her business with other provisions to generate more income as well as have a better quality of life. Yasna lives with her husband and 2 daughters, aged 11 and 3. Her dream on a personal level is to finish college. On a professional level, it is to keep generating income. since she needs to have more resources for her home and a good education. She is very happy and grateful for the opportunity offered by the Fondo Esperanza, since it allowed her to invest in her business. In regards to the communal bank she belongs to, she remarks that it is very close. The trainings have also served her to learn new sales and accounting strategies.

Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago ( the capital of Chile). Surrounding it is a series of lake beaches (Pucón, Villarrica) and very beautiful flora and fauna in the nearby nature parks. It is worth noting that in this region lives 50% of the Mapuches, an existing indigenous people of our country.
View original language description ↓
Este Banco Comunal se llama “Newen pu Domo” está conformado por 18 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de leña, almacén, venta de ropa, repostería, florería, venta de joyas, repuestos de vehículo, servicios entre otros. Todos ellos pertenecientes a la ciudad de Temuco.
Yasna, presidenta del grupo del Banco Comunal, quien en la foto se encuentra sentada, ocupando el tercer el lugar de derecha a izquierda, viste un poleron de color rosado, su cabello es de color castaño claro y lo usa suelto.
Ella se dedica al rubro del comercio con maquinas de juego de azar y paquetería, desde hace 7 años. Comenta que trabaja junto con su madre, ya que ella tiene una florería en el mismo negocio de Yasna, su horario de trabajo es de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra en supermercados y distribuidoras, y otras veces compra en la ciudad de Santiago a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará ropa de invierno para mujer para abastecer su negocio.
Una de las metas de Yasna es seguir creciendo y poder abastecer su negocio con otras provisiones para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Yasna vive junto a su esposo y 2 hijas de 11 y 3 años de edad. Sus sueño a nivel personal es terminar sus estudios universitarios, y a nivel laboral seguir generando ganancias ya que tiene 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 y una buena educación.
Ella está muy contenta y agradecida por 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 es muy unido. 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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 483.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Newen Pu Domo Group's $4,525 loan helped a member to buy women's winter clothes to stock her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 27, 2012
Listed
Aug 12, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012