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San Pablo Group
In this Group: Maria Ines, Maria Magdalena, Sonia, Olga, Eliana, Maria Constanza, Abel, Maria Del Pilar, Gladys, Mariela, Patricia, Veronica, Yolanda, Flor, Juanita, Claudia, Sara, Marlene, Damian
This communal bank, named "San Pablo", is made up of 19 entreprenuers who make a living though different fields, among which are: bread sales, a Minimarket, clothing sales, a furniture store, perfume sales, jewelry sales, and services, among others. All of the members belong to the city of Osorno.

Maria, a member of the communal bank, can be found in the photo squatting in the center of the group, wearing a black jacket and blue jeans, with her dark brown hair worn loose and long. She has made a living through Minimarket sales for 25 years. She says that her business is located in a shop near her house, she works every day, sometimes her son helps her when she has to do personal formalities, and her schedule is according to her availability. The merchandise and supplies that she needs she buys from dairy distributors and beverage importers at low cost, therefore they are financially suitable.

With the loan she will buy only beer in order to stock up her store.

One of Maria's goals is to add a bakery to her shop, and with this generate more income for her family. Maria lives with her husband, three children, and a small nephew who is under her care. Her work-related dreams are to continue growing and adding supplies to her business, and her dreams for her family are that they do not lack anything and that they have a good quality of life.

She is very grateful and pleased with the opportunity that Fondo Esperanza has offered her because it allows her to invest in her business. Furthermore, she feels comfortable with the company of the other entrepreneurs in the communal bank since they share different activities and interests, which has also served as a pastime for her. In respect to the skills taught in the meetings, she has learned to manage her business in a better way.

Osorno is a city located in the southern area of Chile, in the Los Lagos region. It is an important farming center that is known as "La Patria de la Leche y Tierra de la Carne" (The Country of Milk and Land of Meat) of Chile. Within its farming acitivity there is an emphasis on the cultivation of wheat and oats, and raising cattle for meat processing and dairy, in addition to the manufacture of farm equipment. What stands out in Osorno is the only covered soccer stadium in Chile, the "Rubén Marcos" Municipal Stadium .
View original language description ↓
Este Banco Comunal se llama “ San Pablo” está conformado por 19 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentra; venta de pan, minimarket, venta de ropa, mueblería, venta de perfumes, venta de joyas, servicios entre otros. Todos ellos pertenecientes a la ciudad de Osorno.
Maria, integrante del grupo del Banco Comunal, quien en la foto se encuentra en cuclillas en el centro del grupo, viste chaqueta de color negro, blue jeans, su cabello lo usa suelto y largo, es de color castaño oscuro.
Ella se dedica al rubro de venta de minimarket, desde hace 25 años. Comenta que ubica su negocio en un local cerca de su casa, trabaja todos los días, a veces la ayuda su hijo cuando debe realizar trámites personales, su horario es de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando la compra en distribuidoras de lácteos, importadoras de bebidas a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará solamente cervezas para abastecer su negocio.
Una de las metas de Maria es agregar pastelería a su negocio, si con esto generar mayores ingresos para la familia.
Maria vive junto a su esposo, 3 hijos y un pequeño sobrino que esta al cuidado de ella. Sus sueño a nivel laboral es seguir creciendo y agregar más insumos a su negocio, y a nivel familiar que a su familia no le falte nada y que tengan una buena calidad de vida.
Ella está muy agradecida y contenta de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Ademas 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.
Osorno es una ciudad que se ubica en la zona sur de Chile, región de Los Lagos. Es un importante centro agropecuario que se identifica como "La Patria de la Leche y Tierra de la Carne" de Chile. Dentro de su actividad agropecuaria se destaca el cultivo de trigo y avena, la crianza de ganado, para el procesamiento de carnes y lácteos además de la fabricación de equipos agrarios.
Destaca en Osorno el único estadio de fútbol techado de Chile, el Estadio Municipal "Rubén Marcos”.


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
  • 472.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of San Pablo Group's $4,900 loan helped a member to buy only beer in order to stock up her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 13, 2012
Listed
Oct 1, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013