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Los Apachetas Group
In this Group: Patricia, Nolfa, Felicinda, Damari, Marco, Joel, Jorge, Andrea, Monica, Andrea, Ruth, Angelica, Marisol, Sandra, Pabla, Julia, Gladys
This communal bank is called “Los Apachetas” and it has 17 entrepreneurs who carry out a variety of businesses, among which are cheese sales, ‘cuchufli’ [traditional Chilean candy] sales, clothing sales, kite sales, shipping services and other services, among others. All of them are from the city of Temuco.

Patricia is the president of this communal bank and in the photo is seated in the first row, second from right to left, wearing a brown jacket, beige cap; her granddaughter is in her lap.

She has been selling groceries for 8 months. She comments that she works together with people form the communal bank. She works every day from 8am until 10pm and her store is located near her house. She buys the things she needs in various supermarkets, supply centers and low-cost street markets which is advantageous economically. She will use the loan to buy lentils, sugar, rice, oil, fried potatoes, candy, notebooks, scissors, glue and underwear to stock her store. One of Patricia’s goals it to be able to enlarge her store to make it more eye-catching and attract more customers since she sells everything.

Patricia lives with her two children who are 26 and 25 years of age. Her work-related dream is to own the machines she uses in her business that she currently leases (meat slicer, freezer) and her goals for her family is to provide them with wellbeing.

She is very happy and grateful for the opportunity Fondo Esperanza is giving her because she’ll be able to invest in her business. With respect to the communal bank she’s a member of, she comments that there is very good communication among them. On the other hand, the training has taught her new sales and bookkeeping strategies.

Temuco is the capital of the Araucanía Region. The city is located 670 kilometers south of Santiago (Capital of Chile). There are several lakeside resorts nearby (Pucón and Villarrica) and it has very flamboyant native flora and fauna concentrated in nearby natural parks. It’s important to point out that 50% of the native Mapuche, indigenous people of Chile, live here.
View original language description ↓
Este Banco Comunal se llama “Los Apachetas” está conformado por 17 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de queso, venta de cuchufli, venta de ropa, venta de volantines, fletes, servicios entre otros. Todos ellos pertenecientes a la ciudad de Temuco.
Patricia presidenta del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el segundo lugar de derecha a izquierda, viste una chaqueta de color café, un gorro de color beige, y en sus piernas está sentada su nieta.
Ella se dedica al rubro de ventas de provisiones, desde hace 8 meses. Comenta que trabaja en conjunto con las personas del grupo del Banco Comunal, su horario de trabajo es todos los días, desde las 8ºº hasta las 22ºº horas, su negocio lo ubica cerca de su casa.
La mercadería e insumos que va necesitando los compra en diferentes supermercados, distribuidoras y ferias a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará lentejas, azúcar, arroz, aceite, papas fritas, dulces, cuadernos, tijeras, pegamento, ropa interior, para abastecer su negocio.
Una de las metas de Patricia es poder agrandar su local, hacerlo más llamativo para atraer más clientela, ya que vende de todo.
Patricia vive junto a sus 2 hijos de 26 y 25 años de edad. Sus sueños a nivel laboral es poder ser dueña de las maquinarias que utiliza en su negocio ya que las arrienda (maquina cortadora de cecina, maquina congeladora), y a nivel familiar brindarle a su familia un buen pasar.
Ella esta 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.
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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,587,775
    Funds lent in using Kiva
  • 481.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Apachetas Group's $3,325 loan helped a member to buy merchandise to stock her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 31, 2012
Listed
Sep 15, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013