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Proyectando Al Futuro Group
In this Group: Manuela, Maria, Nataly, Albertina, Gladys, Marianela, German, Ines, Blanca, Lorena, Marilyn, Estela, Derma, Rodrigo, Maritza, Cynthia, Eliana, Norma, Floridema, Olga, Juan, Carlos
The communal bank “Proyectando al Futuro” has 22 members who do a variety of work: running a store, bar, or hair salon; selling handicrafts; selling fried pumpkin dough and empanadas; selling cosmetics, weaving, or clothing; and providing other services. All the members live in the city of Villarrica.

Manuela is the member of the communal bank who is standing in the first position from right to left in the first row, wearing grey pants and a purple jacket, wearing her dark brown hair down, and holding her son in her arms. She has been a cook for six years. She works from her house Mondays to Sundays, depending on her availability, overseeing events and preparing food and cocktails for birthdays and whatever her clients wish. She must buy her supplies and merchandise from dealers and supermarkets, and sometimes she buys in Santiago. She will use the loan to buy meats, onions, wheat mote, napkins, glasses, and cake stands. One of Manuela's goals is to have a traditional Chilean restaurant with some Mapuche influence where she can generate more income for her family.

Maanuela lives with her husband and three children, ages 17, 12, and 1. She dreams of having her own restaurant, having more relatives working there, and garnering more attention from the public. She is happy and grateful for the opportunity to invest in her business through Fondo Esperanza. She is also comfortable with her group, and they respect one another.

Villarrica is located in southern Chile in the La Araucanía region. Though the city is small, it has all the basic and tourism services because it is one of the main service centers for the mountain area and is the region's main tourist destination besides Pucón. During the summer, there are many activities and cultural, artistic, and sporting events. There are numerous ecotourism, adventure, and ethnotourism alternatives.
View original language description ↓
Este Banco Comunal se llama “Proyectando al Futuro” está conformado por 22 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; almacén, botillería, peluquería, artesanía, venta de sopaipillas y empanadas, venta de productos de belleza, tejidos, ropa, servicios entre otros. Todos ellos pertenecientes a la ciudad de Villarrica.
Manuela, integrante del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el primer lugar de derecha a izquierda, viste un pantalón de color gris, chaqueta de color lila, su cabello es de color castaño oscuro y lo usa suelto, en sus brazos sostiene a su hijo.
Ella se dedica al rubro de gastronomía, desde hace 6 años. Se desempeña en sus labores en su cas de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad, realiza eventos, comidas, celebraciones de cumpleaños, cóctel y lo que su clientela le solicite.
La mercadería e insumos que va necesitando las compra en distribuidoras, supermercados y algunas veces compra en la ciudad de Santiago.
Con el crédito comprará carne, cebollas, mote, servilletas, vasos, accesorios para tortas.
Una de las metas de Manuela es tener un restaurant, con estilo rustico, con comidas tradicionales de chile y algunas tendencias mapuches, así con esto generar mayores ingresos familiares.
Manuela vive junto a su esposo y tres hijos de 17, 12 y 1 año de edad. Sus sueños a nivel laboral es tener su propio restaurant, y tener familiares trabajando en él y dar la mejor atención al público.
Ella se encuentra muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza para invertir en su negocio. Además se siente muy cómoda con el grupo que participa, ya que existe respeto.
Villarrica es una ciudad al sur de Chile, ubicada en la región de La Araucanía. Es una ciudad pequeña, pero cuenta con todos los servicios básicos y turísticos, siendo uno de los principales centros de servicios del área cordillerana y principal centro turístico de la región, junto con Pucón. Durante los meses de verano se realizan numerosas actividades y eventos culturales, artísticos y deportivos, Además de las innumerables alternativas de Ecoturismo, Turismo Aventura y Etnoturismo.

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
  • $2,552,775
    Funds lent in using Kiva
  • 475.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Proyectando Al Futuro Group's $5,025 loan helped a member to buy meat, onions, wheat mote, napkins, glasses, and cake stands.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 14, 2012
Listed
Oct 16, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013