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Santa Teresita Group
In this Group: Claudia, Lina, Diana, Susan, Tamara, Transita, Patricia, Miriam, Leslie, Maria Angelica, Lloy Alejandra, Andres, Daniela, Julia, Rita
This communal bank is named "Santa Teresita" and it's comprised of 15 entrepreneurs. They're in various lines of work, such as sewing, owning a sales stall, selling clothing, selling salads, cleaning products, selling cosmetics, providing services, etc. All of them belong to the township of Quilicura, located in the city of Santiago.
Claudia is a member of the communal bank. In the photograph she's sitting in the front row, the first one from the left. She's wearing a black vest and black trousers, and she wears her dark brown hair down. She has her little niece sitting on her legs.
She's been in the weaving business for a year, specifically curtains, tablecloths and sheets. She reports that she works from home, Monday through Sunday, and sometimes she gets help from her daughter. She mentions that she learned to sew on her own.
She buys the materials she needs for weaving her sheets and curtains in the township of Independencia. The town is known for selling supplies both by wholesale and retail, at various quality levels and low prices, so it's financially convenient.
With the loan she'll purchase only supplies.
One of Claudia's goals is to stay in the weaving business and take some classes in order to hone her skills. Therefore she'll increase her profits and provide good living conditions for her children.
Claudia lives with her husband, two children aged 12 and 24, and a little niece. Career-wise, her dream is to enlarge a room she has in her house. That way she'll put her machines there and she'll tend to her customers more easily.
She's very glad and grateful for the opportunity she's getting from Fondo Esperanza, because it will allow her to invest in her business. She reports that the training courses have been crucial for her business and also for her personal edification, since she's learned how to better organize and distribute her earnings and investments. As for the communal bank she's in, she feels very comfortable since they're close-knit and there's respect.
Quilicura is a township that belongs to Santiago, capital of Chile, located in the far northwest of the metropolitan area. The town's name comes from the mapudungun (mapuche language) words "kila", which means "three", and "kura", which means "rock"; one can infer that the name Quilicura amounts to "three rocks". This name was given by the first inhabitants of this valley, as a reference to the three hills that are perfectly visible and define the township.
View original language description ↓
Este Banco Comunal se llama “Santa Teresita” está conformado por 15 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; confección, feriantes, venta de ropa, venta de ensaladas, artículos de aseo, venta de cosméticos, servicios entre otros. Todos ellos pertenecientes a la comuna de Quilicura, ubicada en la ciudad de Santiago.
Claudia integrante del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el primer lugar de izquierda a derecha, viste un chaleco y pantalones de color negro, su cabello lo usa suelto y es de color castaño oscuro, en sus piernas carga a su pequeña sobrina.
Ella se dedica al rubro de confección específicamente en cortinas, manteles y sabanas, desde hace 1 año. Comenta que trabaja de lunes a domingo, en su casa, algunas veces le ayuda su hija. Menciona que aprendió sola a confeccionar.
La mercadería que va necesitando para la confección de sus manteles, cortinas, la compra en la comuna de Independencia, ya que se caracteriza por vender géneros al por mayor y menor y de diferentes calidades, a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprara solamente géneros.
Una de las metas de Claudia es seguir con el rubro de la confección y hacer algún curso para perfeccionarse, así generar mayores ingresos y brindarles a sus hijos un buen pasar.
Claudia vive junto a su esposo, dos hijos de 12 y 24 años de edad y una sobrina pequeñita. Sus sueños a nivel laboral son ampliar su habitación que tiene en su casa para poner sus maquinarias y atender a su clientela de manera más tranquila.
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 que participa se siente muy cómoda ya que son unidos y existe respeto.
Quilicura es una comuna perteneciente a Santiago, capital de Chile, ubicada en el extremo noroeste de región metropolitana. El origen del nombre de la comuna viene del mapudungun (lengua mapuche): "kila", que significa “tres” y "kura" que significa “piedra”, por lo que se deduce que el nombre de Quilicura equivale a "tres piedras", como el nombre que le dieron los primeros habitantes de este valle en referencia a los tres cerros que son perfectamente visibles y que delimitan la comuna.

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
  • 469.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Santa Teresita Group's $3,350 loan helped a member to purchase only supplies.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 14, 2012
Sep 24, 2012
Currency Exchange Loss:
Jan 15, 2013