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Brilla El Sol Group
In this Group: Nycole, Erik, Jenny, Paula, Marcelo, Dora, Margarita, Luis, Rodrigo, Lorena, Isabel, Dominique, Miriam, Jose, Miriam, Isabel, Soledad, Juana, Rosa, Cesar, Carlos
This communal bank is called “Brilla el sol” and is made up of 21 enterprising people who work in different areas, including selling at fairs, citrus sales, clothing sales, electrical services, parcel shipping, chocolate sales, and other services. They all live in Talca.

Nycole, the communal bank’s treasurer, and is shown in the photograph standing in the first row, third from the left, wearing a black top. She has dark hair tied back.

She has been selling clothing and cleaning supplies for the past three years. She tells us that she works from her home where she offers her products through the internet. Her customers place their orders this way and then pick them up in her home. She sets her schedule based on her availability.

She buys the merchandise she needs from various distributors and importers in Santiago, where she can get it at lower cost and therefore more economically.

She will use the money from this loan to buy detergent, bleach, liquid fabric softener, and assorted clothing for her customers.

One of Nycole’s goals is to continue in this area so that she can buy a vehicle so that she can deliver her merchandise to her customers without complications.

Nycole lives with her parents, one of her sisters, and two young daughters, ages 4 and 1. Her dreams are to have a good income and provide a better quality of life to her family.

She is happy and grateful for the opportunity given her by Fondo Esperanza that will make it possible for her to invest in her business. She says that the training has been important for her business and also for her personal development, since she has learned to better organize and distribute her income and investments. She also says that there is good communication within the communal bank to which she belongs.


Talca is part of the Maule region, located in the country’s central zone. It makes up the region’s administrative, economic, and cultural center, and is the most important city in Chile’s central valley. In Chile, there is a curious reference to Talca, “Talco, Paris, and London.” Some say that it’s a derivation of the original English saying, “Talca looks like London,” because of the fog that frequently covers the city during the winter, just like the capital of the United Kingdom.
View original language description ↓
Este Banco Comunal se llama “Brilla el sol” está conformado por 21 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; feriantes, venta de frutas cítricas, venta de ropa, servicios eléctricos, paquetería, venta de chocolates, servicios entre otros.
Todos ellos pertenecientes a la ciudad de Talca.
Nycole, tesorera del Banco Comunal, quien en la foto se encuentra de pie en primer fila, ocupando el segundo lugar de derecha a izquierda, viste polera de color negra, usa su cabello tomado y es de color castaño oscuro.
Ella se dedica al rubro de venta de ropa y útiles de aseo, desde hace tres años. Comenta que trabaja en su casa donde ofrece sus productos a través de internet, donde su clientela compra por este medio y luego los retiran en el domicilio de Nycole, su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando los compra en la ciudad de Santiago, en diferentes distribuidoras e importadoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará detergente, cloro, suavizante liquido, y ropa variada para su clientela.
Una de las metas de Nycole, es seguir con su rubro y poder comprar un vehículo para desplazarse con su mercadería sin complicaciones hacia su clientela.
Nycole vive junto a sus padres, una hermana y 2 hijas pequeñas de 4 y un año de edad. Sus sueños a nivel laboral es tener buenos ingresos para darle a su familia una calidad de vida mejor.
Ella está 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 del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación.
Talca pertenece a la región del Maule, ubicada en la zona centro del país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante del Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital del Reino Unido.

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
  • 472.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Brilla El Sol Group's $4,875 loan helped a member comprará detergente, cloro, suavizante liquido, y ropa variada para su clientela.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 14, 2012
Listed
Oct 1, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013