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Proyectando Un Futuro Group
In this Group: Sandra, Silvia, Evelyn, Veronica, Miguel, Sandra, Angelina, Rosa, Pamela, Catalina, Rosa, Ximena, Angela, Osvaldo, Constanza, Gemita, Catalina, Tomas, Marcela, Miguel
The communal bank called "Proyectando un Futuro" [Projecting the Future] consists of 20 entrepreneurs who are engaged in various areas, among which there are: selling pastries, chocolate store, baptize souvenirs, selling shoes, selling clothes, selling salads, organization of events, and other services. All of them belong to the municipality of Casablanca, located in the city of Valparaiso.

Sandra is a member of the communal bank, and in the picture she is sitting in the front row, ranking first from right to left. She is wearing a gray cardigan with stripes, gray pants, and brown boots. She wears her hair loose, which it's dark brown. She has a Fondo Esperanza folder in her hands.

She has been dedicated to the area of selling pastries, specifically pies, for 12 years. She says she works Monday to Friday from 5pm to 8pm, when she is on the street selling her pastries. She buys the merchandise and supplies she needs in several supermarkets, pastry distribution centers, and low cost butchers, thus economically convenient.

With the loan, she will buy materials such as bowls, aprons, hats, oils, flour, olives, and raisins to stock her business. One of Sandra's goals is to have the chance to buy a cart, because this way she would work in a more comfortable way, avoiding the cold during the winter and the heat during the summer, as well as to give a good image to her customers.

Sandra lives with her husband and two children, who are 24 and nine years old. Her dream at a professional level is to have a cart, and at a family level is to give a good life to her children, giving good studies to her youngest son and good medical attention to her oldest daughter, because she is disabled.

She is very happy and appreciative for the opportunity provided by Fondo Esperanza, because it allowed her to invest in her business. Also, she feels very comfortable with the company of other entrepreneurs in the communal group, because they share various activities. That served her as a moment of entertainment, too. Regarding the trainings given at the meetings, she has learned to manage her business better.

Casablanca is a commune in the province of Valparaiso, located in the region of the same name. It has a Mediterranean climate, with summers of prolonged drought, and short winter rains, although very strong. The name "Casablanca" comes from the sixteenth century when there was "a house with white walls" on a hill located close to one of its oldest roads, called royal carts' road. Today, its economy is based on services, agriculture, transportation, agribusiness, tourism, and commerce.
View original language description ↓
Este Banco Comunal se llama “ Proyectando un Futuro” está conformado por 20 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de masas, chocolatería, encintados para bautizo, venta de zapatos, venta de ropa, venta de ensaladas, realización de eventos, servicios entre otros. Todos pertenecientes a la comuna de Casablanca, ubicada en la ciudad de Valparaíso.
Sandra integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el primer lugar de derecha a izquierda, viste chaleco de color gris con rayas, y un pantalones de color gris, botas de color café, su cabello lo usa suelto y es de color castaño oscuro, en sus manos lleva la carpeta de Fondo Esperanza.
Ella se dedica al rubro de venta de masa específicamente en empanadas, desde hace 12 años. Comenta que trabaja de lunes a viernes desde las 17ºº hasta las 20ºº horas, se ubica en la calle a vender sus masas.
La mercadería e insumos que va necesitando los compra en diferentes supermercados y distribuidoras de masas y en carnicerías a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará materiales como fuentes, delantal, gorro, aceites, harina, aceitunas, pasas, para abastecer su negocio.
Una de las metas de Sandra es tener la posibilidad de comprar un carro, ya que de esta manera trabajaría de una forma más cómoda, evitando el frio durante la temporada de invierno y el calor durante la temporada de verano, además darle una buena imagen para su clientela.
Sandra vive junto a su esposo y dos hijos de 24 y 9 años de edad. Sus sueños a nivel laboral es tener su carro, y a nivel familiar darles un buen pasar a sus hijos, que su hijo menor tenga buenos estudios y su hija mayor una buena atención medica ya que es discapacitada.
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 comunal, ya que comparten diferentes actividades, lo cual también le ha servido como un momento de distracción. Respecto las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Casablanca es una comuna de la provincia de Valparaíso, ubicada en la región del mismo nombre. Tiene un clima de tipo mediterráneo, con veranos de sequía prolongada y lluvias invernales cortas, pero muy fuertes. El nombre “Casablanca” proviene del siglo XVI cuando existía “una casa de muros blanquecinos“sobre una loma ubicada a un costado de uno de sus caminos más antiguos, llamado camino real de carretas.
Actualmente su economía se basa en servicios, agricultura, transporte, agroindustria, turismo, comercio.

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 Proyectando Un Futuro Group's $3,075 loan helped a member to buy materials such as bowls, aprons, hats, oils, flour, olives, and raisins to stock her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 6, 2012
Listed
Sep 24, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013