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Las Brisas Group
In this Group: Monica, Yessica, Maria, Marisol, Gloria, Claudia, Olga, Marisol, Gloria, Jorge, Karen, Valeska, Nancy, Graciela, Carolina, Cristina, Ingrid
The name of this communal bank is Las Brisas. It comprises seventeen entrepreneurs who work in different trades, which include selling bath tissue, "pan amasado" (a Chilean homemade bread), salads, EVA foam crafts, steak sandwiches, pastries, and other services. They all belong to the city of Talca.

Mónica is one of the members of this communal bank. In the picture she is the fifth person from the right, wearing black pants and a black jacket, with brown long hair. She has worked selling sunflower seeds for one year. These seeds can be used in different ways: to make oil, to feed animals, or for human consumption. She says she works from home, where she roasts the sunflower seeds and packs them for sale. She works Monday through Sunday and distributes her schedule according to her availability.

She buys whatever merchandise and supplies she needs to sell her sunflower seeds from distributors, and at the supermarket she buys low-cost bags to pack the seeds, which are the most affordable.

She will use the loan only to purchase sunflower seeds.

One of Mónica's goals is to purchase some items, such as ice cream, to sell in addition to the sunflower seeds and generate more income so that she may access a better quality of life.

Mónica lives with her husband and their two children, who are sixteen and nine and are in school. On a business level, her dreams are to expand her business and grow as a microentrepreneur by adding more and more products to sell so that she can offer her family good stability in life.

She is very happy and grateful for the opportunity Fondo Esperanza has given her, because it has allowed her to invest in her business. She also feels very comfortable around the other entrepreneurs in the communal bank group, because they share different activities and interests, and that provides some leisure. As far as the trainings offered at the meetings, they have helped her manage her business better.

Talca belongs to the Maule region, located in the central area of the country. It constitutes the administrative, financial, and cultural center of the region, being the most important city of Chile's central valley. In Chile, there is a curious saying about Talca: "Talca, París y Londres" (Talca, Paris, and London). Among the myths explaining this, some say it is derived from something originally said by an Englishman: "Talca parece Londres" (Talca looks like London) on account of the fog that frequently covers the city during the winter season, as it does in the capital of the United Kingdom. (Both phrases sound virtually the same in Spanish).
View original language description ↓
Este Banco Comunal se llama “Las Brisas” está conformado por 17 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de confort, venta de pan amasado, venta de ensaladas, venta de artesanía en goma eva, venta de churrascos, venta de pasteles, servicios entre otros. Todos ellos pertenecientes a la ciudad de Talca.
Mónica integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie, ocupando el quinto lugar de derecha a izquierda, viste un pantalón de color negro, chaqueta de color negra, su cabello es de color castaño oscuro lo usa suelto y largo.
Ella se dedica al rubro de ventas de maravillas (semillas, en el cual se pueden utilizar de diferentes formas en aceite, o alimento de animales o consumible por el humano) desde hace 1 año. Comenta que trabaja desde su casa donde tuesta y envasa la maravilla para la venta, se dedica de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando para la venta de las semillas de maravilla las compra en distribuidoras, y para envasar las semillas compra bolsas en los supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará solamente semillas de maravillas.
Una de las metas de Mónica es comprar algunos productos como helados, además de la venta de maravillas, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Mónica vive junto a su marido y dos hijos de 16 y 9 años de edad quienes se encuentran estudiando. Sus sueños a nivel laboral es agrandar su negocio y crecer como una microempresaria y cada vez agregar otros productos para la venta, así darle una buena estabilidad de vida su familia.
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, lo cual le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Talca pertenece a la región del Maule, ubicada en la zona centro del país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante del Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital del Reino Unido.



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
  • $2,637,700
    Funds lent in using Kiva
  • 480.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Brisas Group's $3,525 loan helped a member to purchase sunflower seeds.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 31, 2012
Listed
Sep 14, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013