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Los Mercaderes Group
In this Group: Andrea, Sandy, Cintya, Irma, Monica, Gustavo, Margoth, Lilian, Carolyn, Adalia, Roberto, Gladys, Marta, Patricio, Irene, Maria, Jenifer, Viviana, Samuel, Constanza, Raquel
This communal bank is called “Los Mercaderes” (The Merchants) and it has 21 entrepreneurs are in a variety of lines of work among which are chocolate sales, children’s clothing sales, publicity, curtain sales, sewing, new clothes sales, mobile phone repair shop, didactic toys, beauty products and services, among others. All of them are from the city of Osorno.

Andrea, communal bank delegate appears in the photo standing in the first row, first from left to right wearing black and with her dark brown hair gathered up.

She has been working selling new clothes and some women’s accessories for the last two years. She comments that she works from home Monday through Saturday and sometimes on Sunday. She arranges her work schedule according to availability.

She buys the merchandise she needs either via Internet or in the city of Santiago at low cost which is an economic advantage. She will use the loan to buy just accessories like purses to stock her business.

Andrea’s goal is to be able to have a store outside her house so that she can tend to customers more comfortably while at the same time generate higher income for her family’s wellbeing.

Andrea lives with her husband and two daughters who are 4 and 11 years old. Her dream at a personal and family level is to own a house and she’s currently waiting for the application process.

She is very happy and grateful for the opportunity Fondo Esperanza is giving her because it’s allowed her to invest in her business. She feels very comfortable in company of her fellow communal bank entrepreneurs because they share various activities and interests. As for the training received, she’s learned to manage her business in a better way.

Osorno is a city located in south Chile, Los Lagos Region. It’s an important agricultural and livestock raising area known as Chile’s “Country of Milk and Land of Meat.” Wheat and oat farming and cattle raising stand out within the agricultural and animal husbandry activity for processing meat and dairy products as well as the manufacture of farm equipment. Osorno also stands out as having Chile’s only roofed soccer stadium, the Rubén Marcos Municipal Stadium.
View original language description ↓
Este Banco Comunal se llama “Los mercaderes” está conformado por 21 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de chocolate, venta de ropa de niño, publicidad, venta de cortinas, costuras, venta de ropa nueva, taller de celulares, juguetes didácticos, productos de belleza, servicios entre otros. Todos ellos pertenecientes a la ciudad de Osorno.
Andrea, delegada del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el primer lugar de izquierda a derecha, viste de color negro, su cabello es de color castaño oscuro y lo usa tomado.
Ella se dedica al rubro de venta de ropa nueva y algunos accesorios de dama, desde hace 2 años. Comenta que trabaja en su casa de lunes a sábado y algunas veces los domingos, su horario de trabajo lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra por internet y en la ciudad de Santiago a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará solo accesorios como carteras para abastecer su negocio.
Las metas de Andrea son poder tener la posibilidad de tener un local fuera de su casa para poder atender as u clientela de manera mas cómoda, y así al a vez generar mayores ingresos para un buen pasar a su familia.
Andrea vive junto a su esposo, y 2 hijas de 4 y 11 años de edad. Sus sueños a nivel personal y familiar es poder tener su casa propia, por el momento está esperando el proceso de postulación.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo del Banco Comunal, ya que comparten diferentes actividades, intereses. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Osorno es una ciudad que se ubica en la zona sur de Chile, región de Los Lagos. Es un importante centro agropecuario que se identifica como "La Patria de la Leche y Tierra de la Carne" de Chile. Dentro de su actividad agropecuaria se destaca el cultivo de trigo y avena, la crianza de ganado, para el procesamiento de carnes y lácteos además de la fabricación de equipos agrarios.
Destaca en Osorno el único estadio de fútbol techado de Chile, el Estadio Municipal "Rubén Marcos”.



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
  • 476.8
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Mercaderes Group's $4,100 loan helped a member to buy accessories.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 31, 2012
Listed
Aug 20, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012