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Las Jefas De Yerbas Buenas Group
In this Group: Natividad, Jeseni, Alexander, Maria, Eduvigis, Bernardina, Mirtha, Jacqueline, Leticia, Gloria, Cecilia, Elizabeth, Maria, Regina, Susana, Rosa, Marta, Miguel
This Communal Bank is called, "The Peppermint Leaders," and is made up of 18 hardworking individuals. They work in different types of jobs such as: clothing sales, kiosk, meal, cheese, bread, household item sales, and other services. They all live in the city of Linares.
Natividad is a member of the Communal Bank and is seen second in line, from right to left, in the photo. She is wearing a red and white stripped blouse and a sleeveless winter jacket. She wears her hair down and her hair is dark brown.
She has been working in the fashion department for a year now. She took some designing courses and was able to begin her business. She works from Tuesday to Friday. She has a room where she works from. Her work schedule is fitted around her availability.
She purchases her merchandise from Linares City in shops that specialize in selling materials at reasonable prices.
She will use the loan to buy fabric, thread, needles, and zippers.
One of Natividad's goals is to have a local shop for clothing, curtain, tablecloth, cushion making and offer her clients a more comfortable place to shop.
Natividad lives with her husband and 2 children, of 13 and 7 years of age, who are in school. Her dreams for her job are to continue sewing and have more clientele. Her personal dreams are to help her family and offer her children a good education.
She is very happy with the help being offered by Fondo Ezperanza since this will help her invest in her business. In addition, she feels very comfortable with the other members of the Communal Bank since they share various activities, and interests that also serve as entertainment. Thanks to the training offered during the meetings she has leraned how to better manage her business.
Linares is an important urban town in the region of Maule, in the central are of the country. This area has produced agricultural and wine exportations.
They stand out in producing cereals (rice, wheat, corn, and oatmeal), vegetables (beets, cabbage, lettuce, chard, and legumes) and fruits. Linares is the main province that produces rice in Chile. In fact, 78% of the national rice production comes from this province, especially in the town of Peru.
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View original language description ↓
Ese Banco Comunal se llama “Las jefas de Yerbas Buenas” está conformado por 18 emprendedores quienes se dedican a diferentes rubros entre los cuales se encuentran; venta de ropa, kiosko, venta de desayunos, venta de queso, venta de pan, venta de accesorios para el hogar, servicios entre otros. Todos ellos pertenecientes a la ciudad de Linares.
Natividad, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en segunda fila, ocupando el segundo lugar de derecha a izquierda, viste blusa blanca con líneas rojas y encima lleva puesto una chaqueta de polar sin mangas de color rojo, su cabello lo usa suelto y es de color castaño oscuro.
Ella se dedica al rubro de modista, desde hace 1 año. Realizo algunos curso de especialización, lo que le permitió emprender en su negocio, trabaja de martes a viernes, tiene habilitado un pequeño cuarto en su casa para trabajar, su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando para realizar sus costuras las compra en la ciudad de Linares en tiendas donde se especializan en vender géneros donde encuentra todo a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará géneros, hilos, agujas y cierres.
Una de las metas de Natividad es tener un local para sus costuras y confección de cortinas, manteles, cojines, y a la vez tener a su clientela más cómoda.
Natividad vive junto a su esposo y 2 hijos de 13 y 7 años de edad, quienes se encuentran estudiando. Sus sueños a nivel laboral es seguir con rubro y crecer y captar más clientela, y a nivel familiar ayudar a su familia y darles una buena educación a sus hijos.
Ella está muy contenta 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 del Banco Comunal, ya que comparten diferentes actividades, intereses, lo cual también le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Linares es un importante centro urbano de la región del Maule, ubicado en la zona centro del país. En esta zona se desarrolla de manera importante la producción agrícola y también vitivinícola sobresaliendo en el ámbito de las exportaciones. Destacan los cultivos de cereales (arroz, trigo, maíz y avena), hortalizas (remolacha, repollo, lechuga y acelga y legumbres) y frutas. Linares es la principal provincia productora de arroz, en Chile; de hecho, el 78% de la producción nacional de este cereal se da en esta provincia, especialmente en la comuna de Parral.








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
  • 470.3
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Jefas De Yerbas Buenas Group's $5,600 loan helped a member buy fabrics, thread, needles, and zippers.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 14, 2012
Listed
Sep 28, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013