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Produciendo Esperanza Group
In this Group: Myriam, Claudia, Mabel, Blanca, Monica, Liliana, Iris, Ana, Marta, Margarita, Marta, Luz, Maria, Lina, Maria, Vania, Nancy
This communal bank is called “Produciendo Esperanzas” (Producing Hopes) and it has 17 entrepreneurs who are in a variety of lines of work like crafts, turnover sales, chocolate shop, cream sales, honey sales, marmalade sales and services, among others. All of them are from the city of Temuco.

Myriam is group delegate and in the photo appears standing in the last row, fifth from left to right wearing a black jacket. Her hair is curly, dark brown and she wears it loose. She’s been selling marmalade for five months. She comments that she works making marmalade Wednesdays. On Mondays, Tuesdays, Thursdays and Fridays she works in her orchard located at home; sometimes she also works weekends depending on demand for marmalade. She prepares the marmalade at a school and her work schedule is according to her availability.

She buys the supplies and ingredients she needs in hardware stores because she needs wire for the fruit; she also buys at supermarkets at low cost which is advantageous economically. She will use the loan to buy wire and stakes to prepare the fruit for marmalade production. One of Myriam’s goals is to surge forward in her line of work and to attain a good level of marmalade production and more customers. Myriam lives with her mother, 24-year-old niece and 17-year-old daughter who is attending school. Her dream at the family level is to have a house of her own and to give her daughter good wellbeing.

She is very happy and grateful for the opportunity Fondo Esperanza has given her to invest in her business. She also feels very comfortable in the group she participates in because they are united; there is respect and trust among them. With respect to the training provided at the meetings, she’s learned how to manage her business better.

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, Villarrica) and very eye-catching flora and fauna concentrated in nearby natural parks. It’s worth noting that 50% of the Mapuche indigenous population existing in the country lives in this region.
View original language description ↓
Este Banco Comunal se llama “Produciendo Esperanzas” está conformado por 17 emprendedoras, quienes se dedican a diferentes rubros, entre los cuales se encuentran; Artesanas, Venta de empanadas, chocolatería, cremas, venta de miel, venta de mermeladas, servicios entre otros. Todas ellas pertenecientes a la ciudad de Temuco.
Myriam delegada del grupo del Banco Comunal, quien en la foto se encuentra de pie en la última fila ocupando el quinto lugar de izquierda a derecha, viste chaqueta de color negra, su cabello es crespo de color castaño oscuro y lo usa suelto.
Ella se dedica al rubro de ventas de mermelada, desde hace 5 meses. Comenta que trabaja en la producción de mermeladas el día miércoles, y los días lunes, martes, jueves y viernes se dedica a su huerto que lo ubica en su casa, trabaja a veces los fines de semana según sea la solicitud de su elaboracion de mermeladas. Trabaja en un liceo para la preparación de las mermeladas, su horario de trabajo lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando los compra en ferreterías, ya que ocupa alambres para las frutas, y también compra en supermercados, a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará alambres y estacas para arreglar las frutas para la preparación de sus mermeladas.
Una de las metas de Myriam es surgir con su rubro, llegar a tener una buena producción de mermeladas y más clientela.
Myriam vive junto a su madre, sobrina de 24 años de edad, y su hija de 17 años quien se encuentra estudiando. Sus sueños a nivel familiar es tener su casa propia, para darle un buen pasar a su hija.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio. Además se siente muy cómoda con el grupo que participa, ya que son unidas, existe respeto y confianza. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
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
  • $2,552,775
    Funds lent in using Kiva
  • 469.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Produciendo Esperanza Group's $3,425 loan helped a member to buy stakes and wire.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 14, 2012
Listed
Sep 24, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013