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Nuevos Frutos Group
In this Group: Ana Luisa, Luis, Margarita, Erika, Marta, Vilma, Teresa, Vviviana, Silvana, Maria, Nataly, Ingrid, Francoise, Joselyn, Romina, Maria, Evita
This communal bank is called "Nuevos Frutos" (New Fruits). It is composed of 17 entrepreneurs who work in different areas, among which are weaving, pedicures, greenhouse, mechanic, clothing sales, bazaar, internet , selling coveralls, and services, among others. All of them are from the city of Talca.

Ana, a member of this communal bank group, is standing in the first row of the photo, in the third place going from left to right. She is wearing a black jacket and a light-colored scarf. Her hair is brown, short, and loose. She has been working in handicrafts and has been crocheting (this is the art of creating through repeated interlacing of one or various fibers, using a needle with the form of a hook) for 10 years. She comments that in addition to doing crocheting, she also sells pizzas. She works from Thursday through Sunday selling pizza, and the rest of the week she works at her crocheting. She does all her work at home, and she distributes her work schedule according to her availability.

Sometimes she buys the merchandise and supplies that she needs in the city of Santiago and in places where they sell wool, and for preparing her pizzas, she buys in low-cost supermarkets, which are therefore economically convenient. With the loan she will buy a gas regulator, a gallon of gas, cheese, flour, olives, dough, oil, pizza boxes, and wool of different colors.

One of Ana's goals is to have a place to set up a pizzeria in parallel with her crocheting and to join up with her sister and her niece, to thus generate greater income and opt for a better quality of life.

Ana lives with her husband, her mother, and her three children, ages 8 and 7 (twins). Her dreams at a personal and family level are to have her own house and give a good standard of living to her children, and at a business level, to grow as a microentrepreneur.

She is very happy and thankful for the opportunity that Fondo Esperanza has offered her, since it has allowed her to invest in her business. In addition, she feels very comfortable in the company of the other entrepreneurs in her communal bank group, since they share various activities and interests. From the training offered at the meetings, she has learned to manage her business better.

Talca belongs to the Maule region, located in the central part of the country. It is an administrative, economic, and cultural center of the region, being the most important city of the Chilean Central Valley. With regard to Talca, there is a curious reference in Chile, the phrase "Talca, Paris, and London." Among the myths regarding the phrase, some say that it is derived from the original saying by an Englishman, "Talca parece Londres" (Talca resembles London), because of the abundant clouds that frequently cover the city in the winter season, similar to the capital of the United Kingdom.
View original language description ↓
Este Banco Comunal se llama “Nuevos Frutos” está conformado por 17 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; tejidos, pedicuro, invernadero, mecánico, venta de ropa, bazar, internet, venta de buzos, servicios entre otros. Todos ellos pertenecientes a la ciudad de Talca.
Ana, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el tercer lugar de izquierda a derecha, viste una chaqueta de color negra, y en su cuello lleva una bufanda de color claro, su cabello es de color castaño, lo usa corto y suelto.
Ella se dedica al rubro de artesania en tejido a crochet (Es el arte de crear mediante el entrelazado repetido de una o varias fibras con una aguja con forma de garfio), desde hace 10 años. Comenta que además de realizar los tejidos, también vende pizzas, para la venta de pizza se dedica desde los jueves hasta el domingo, y el resto de la semana a sus tejidos, ambos rubros los realiza en su casa, y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando los compra algunas veces en la ciudad de Santiago y en locales de ventas de lanas, y para la preparación de sus pizzas en supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará un regulador de gas, galón de gas, queso, harina, aceitunas, masas, aceite, cajas para pizza y lanas de diferentes colores.
Una de las metas de Ana es tener un local para colocar una pizzería en paralelo con los tejidos a crochet y asociarse con su hermana y sobrina, asi generar mayores ingresos y optar por una mejor calidad de vida.
Ana vive junto a su esposo, su madre y tres hijos de 8 y 7(gemelos)años de edad. Sus sueños a nivel personal y familiar es tener su casa propia para darles un buen pasar a sus hijos, y a nivel laboral crecer como microempresaria.
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 del Banco Comunal, ya que comparten diferentes actividades e intereses. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
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
  • 471.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Nuevos Frutos Group's $3,625 loan helped a member to buy a gas regulator, a gallon of gas, cheese, flour, olives, dough, oil, pizza boxes, and wool of different colors.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2012
Listed
Oct 18, 2012
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2013