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Renacer Ii Group
In this Group: Liliana, Laura, Jaime, Jesus, Diolinda, Cecilia, Silvia, Irma, Silvia, Silvia, Manuel, Patricia, Carlos, Erika, Veronica, Ximena, Inelia
This communal bank is called "Rebirth II" and consists of 17 entrepreneurs who are engaged in different areas of sales, among which are the selling of jewelry, crafts, buns, pies, fries, yarns and needles, furniture, jams, condiments, cosmetology, podiatry, as well as an in-home banquet, knitting, and other services. All group members live in the city of Curico.

Liliana is the secretary of the Communal Bank, and in the picture she is standing in the center of the group wearing a dark colored jacket. Her hair is dark brown and she wears it long and loose. She has been dedicated for the past two years to selling clothing and fabrics for home use such as tablecloths, towels, sheets, and curtains. She notes that she also works in food service preparing meals for a builder. She works from home Monday to Friday and her schedule is determined based on availability. Her clothing sales are made to people that she knows or to family members or via internet.

The goods and supplies that she needs for her different jobs she acquires in the city of Santiago, and she purchases food for the preparation of her lunches in different supermarkets at low cost. It is thus economically convenient. With the credit she will buy bundles of clothes. One of Liliana's goals is to have an established stall for selling her clothing products, and with that generate more income and find a better quality of life.

Liliana lives with her husband, her mother, and two daughters aged 12 and 5 who are in school. Her dream for the family is to have their own home, and her dream for work is to have her own successful business, since with the income she would be able to give her children a good quality of life.

She is very happy and grateful for the opportunity provided by Fondo Esperanza, since it permits others to invest in her business. She says that the trainings offered have been fundamental for her business and also for her personal development, since she has learned to organize and distribute in a more effective way her income and investments. With respect to her group she feels comfortable, which motivates her to keep participating.

Curicó is located in the Maule region, in the central zone of the country. Curico's climate is Mediterranean and is considered one of the nicest in the country. It is also characterized by its culture centered on wine and surrounding natural beauty. Although the labor force has increased, this area remains, according to the last census, one of the poorest in the country.
View original language description ↓
Este Banco Comunal se llama “Renacer II” está conformado por 17 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de joyas, artesanía, sopaipillas, empanadas, venta de papas fritas, venta de hilos y agujas, mueblería, venta de mermeladas, venta de condimentos, cosmetología, podología, banqueteria a domicilio,, tejido, servicios entre otros. Todos ellos pertenecientes a la ciudad de Curicó.
Liliana secretaria del grupo del Banco Comunal, quien en la foto se encuentra de pie en el centro del grupo del Banco Comunal, viste una chaqueta de color negra, su cabello es de color castaño oscuro lo usa largo y suelto.
Ella se dedica al rubro de venta de ropa de casa como manteles, toallas, sabanas, cortina, desde hace 2 años. Comenta que también se desempeña trabajando en cocinería preparando almuerzos a una constructora, trabaja desde su casa de lunes a viernes y su horario lo distribuye de acuerdo a su disponibilidad. Su venta de ropa la realiza a gente conocida como familiares o a través de internet.
La mercadería e insumos que va necesitando para la venta de ropa, la compra en la ciudad de Santiago a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará fardos de ropa para abastecer su negocio.
Una de las metas de Liliana es tener un puesto establecido para la venta de ropa, así con esto generar mayores ingresos y optar a una mejor calidad de vida.
Liliana vive junto a su esposo, su madre y 2 hijas de 12 y 5 años de edad quienes se encuentran estudiando. Sus sueños a nivel familiar es tener su casa propia, y a nivel laboral es tener su negocio, ya que con los ingresos puede darle estudios a sus hijas y un buen pasar.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que las capacitaciones han sido fundamentales para su negocio y también para su desarrollo personal, ya que ha aprendido a organizar y distribuir de mejor manera sus ingresos e inversiones. Respecto al grupo del cual forma parte se siente cómoda, lo cual la motiva a seguir participando.
Curicó se ubica en la región del Maule, zona centro del país. El clima de Curicó es de tipo mediterráneo y es considerado como uno de los más agradables del país. Se caracteriza además por su cultura en torno al vino y sus alrededores de belleza natural. A pesar de que la fuerza de trabajo se ha incrementado, esta zona sigue siendo, según el último censo, una de las más pobres del 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
  • 480.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Renacer Ii Group's $5,525 loan helped a member comprará fardos de ropa para abastecer su negocio.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 28, 2012
Sep 20, 2012
Currency Exchange Loss:
Jan 15, 2013