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Arte De Proyectar Group
In this Group: Maria, Sofia, Leticia, Mery, Elsa, Benilde, Oscar, Rosa, Marcia, Uberlinda, Eugenia, Luz, Domingo, Hector, Maria, Miriam, Elizabeth, Ruth, Edgardo, Maria, Leonor, Marcelina
The communal bank “Arte de Proyectar” is made up of 22 entrepreneurs who are involved in a variety of business activities. These include the sale of kites, incense and candles, cakes, perfume, clothing, a massage business and other types of service-oriented businesses. The members are all from the city of Chillán.

Maria is a member of the communal bank. In the photo she is standing fourth from the left side in the first row behind the chairs. She is wearing a red jacket and has a scarf around her neck. Her hair is dark and short, and she is holding some papers in her hands.

For the last two years she has sold meat, vegetables and flowers and other items in the local market. She reports that her business is located in a central area of the city of Chillán. She works seven days a week from 8 am to 5 pm.

She buys her merchandise in various supermarkets and outdoor markets in Chillán at low cost, as this is economical. With the loan proceeds she will buy sausage, chicken, carrots, garlic, lettuce, artificial flowers and decorative items.

One of her goals is to expand her business and to attract all sorts of customers. She sells everything from clothing to almost every type of vegetable to all types of floral arrangements, whether for a gift or a funeral. Hers is the only business in the marketplace that sells flowers.

Maria lives with her 28-year-old son, her daughter-in-law and her 5-year-old granddaughter. She dreams of expanding her business and being able to help her son, since she knows how difficult it is to get ahead.

She is very grateful for this loan opportunity brought to her by Fondo Esperanza, since it will allow her to invest in her business. With respect to the communal bank to which she belongs, she says that there is very good communication within the group. Additionally, there are training sessions that have helped her learn new strategies for sales and accounting.

Chillán is a community in the south of Chile. This name means "seat of the sun" in Mapudungun, the language of our indigenous Mapuches. Chillán is known as "Cradle of the Homeland" or "Land of Artists", owing to the fact that many distinguished individuals in Chilean history have been born there, for example the well-known pianist Claudio Arrau.
View original language description ↓
Este Banco Comunal se llama “Arte de Proyectar” está conformado por 22 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; masajes, venta de volantines, venta de inciensos y velas, venta de tortas, venta de perfume, venta de pantalones, venta de ropa, servicios entre otros. Todos ellos pertenecientes a la ciudad de Chillan.
Maria integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el segundo lugar de derecha a izquierda, viste un chaleco de color rojo, usa un pañuelo alrededor de su cuello, su cabello es de color castaño oscuro y lo usa corto, en sus manos sostiene unos papeles.
Ella se dedica al rubro de venta de bazar, verdulería y florería, desde hace 2 años. Comenta que su negocio lo ubica en un local en centro de la ciudad de Chillan, trabaja de lunes a domingo desde las 8ºº hasta las 17ºº horas.
La mercadería que va necesitando la compra en la ciudad de chillan en diferentes supermercados, y tambien en las feria a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará longaniza, pollo, zanahoria, ajo, lechugas, flores artificiales, adornos.
Una de las metas de Maria en su negocio, son agrandar su negocio, tener de todo para su clientela, ya que en su bazar tiene hasta ropa, todas las verduras que uno encuentra en la feria y todo tipo de arreglos florales, es el único de los negocios que se dedica a vender flores.
Maria vive junto a su hijo de 28 años de edad, su nuera y su nieta de 5 años de edad. Sus sueños a nivel laboral es ampliar su negocio así con esto ayudar a su hijo, ya que sabe lo difícil que es salir a delante.
Ella se encuentra muy contenta y agradecida 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.
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
  • 480.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Arte De Proyectar Group's $4,300 loan helped a member to buy sausage, chicken, carrots, garlic, lettuce, artificial flowers and decorative items.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Sep 20, 2012
Currency Exchange Loss:
Jan 15, 2013