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Los Perseverantes Group
In this Group: Carmen, Maria Isabel, Claudia, Luis, Sonia, Mabel, Constanza, Cecilia, Daniel, Maria Isabel, Cecilia, Marcela, Ingrid, Paula, Maria Isabel
This communal bank is called “Los Perseverantes” (The Persevering Ones) and it has 15 members who are in a variety of lines of work among which are grocery store, catalogue clothing sales, snack sales, towel sales, underwear sales, street merchants, home items sales and services, among others. All are from the Quilicura commune located in the city of Santiago.

Carmen is a communal bank member. In the photo she’s standing in the front row, fourth from left to right, wearing a brown shirt printed with colored flowers; her hair is dark brown and it’s long and worn loose.

She has been selling breakfasts for three years. She comments that she works with a three-wheeled cart selling breakfast to her clientele. She makes cakes, Bundt cakes, kneaded bread, sopaipillas, sandwiches, tea and coffee. She works Monday through Friday from 6am until 10pm. She buys supplies as needed in supermarkets and stores where she finds it at low cost which is convenient economically. She will use the loan to buy flour, sugar, dried fruit, oil and sopaipilla dough. One of Carmen’s goals is to have a fixed locale and to grow into a micro businesswoman to generate higher income and have the possibility of better quality of life.

Carmen lives with her husband who helps her sell the breakfasts and with her two children, a disabled 13-year-old son and a 2-year-old daughter. Her dream at a work level is to have a locale where she can take care of all her customers and at the family level to give her children the best so that her son can continue with his Telethon [charitable rehab centers] training and her daughter can attend school.

She is very happy and grateful for the opportunity Fondo Esperanza has provided because it will allow her to invest in her business. She comments that the training has been fundamental for her business and also for her personal development because she’s learned how to organize and better distribute her income and investments. She comments that there is very good communication in the communal bank she belongs to.

Quilicura es a commune in the Santiago, Capital of Chile, located in the extreme northeast of the metropolitan region. The name comes from Mapudungun (Mapuche tongue): “Kila” which means “three” and “Kura” which means “stone” from which one can deduce that the Quilicura’s name means “Three Stones” which was the name the original inhabitants of this valley gave it in reference to the three hills that are perfectly visible and define the commune.
View original language description ↓
Este Banco Comunal se llama “Los Perseverantes” está conformado por 15 emprendedores quienes se dedican a diferentes rubros entre los cuales se encuentran; almacén, venta de ropa por catalogo, venta de colaciones, venta de toallas, venta de ropa interior, feriantes, articulos para el hogar, servicios entre otros. Todos ellos pertenecientes a la comuna de Quilicura, ubicada en la ciudad de Santiago.
Carmen, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el cuarto lugar de izquierda a derecha, viste una polera de color café con flores de colores, su cabello es de color castaño oscuro, lo usa largo y suelto.
Ella se dedica al rubro de venta de desayunos desde hace 3 años. Comenta que trabaja en un triciclo ofreciendo sus desayunos a su clientela, hace queques, kuchen, pan amasado, sopaipillas, sándwich, té y café´, trabaja de lunes a viernes desde las 6ºº de la mañana hasta las 22ºº horas.
La mercadería que va necesitando los compra en supermercados, y locales donde encuentra la mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará harina, azúcar, frutas secas, aceite, masas para las sopaipillas.
Una de las metas de Carmen son tener un local establecido y crecer para llegar hacer una microempresaria, así con esto generar mayores ingresos y optar a una mejor calidad de vida.
Carmen vive junto a su marido quien la ayuda con las ventas de los desayunos y sus dos hijos de 13 años de edad (él es discapacitado) y su hija pequeña de 2 años de edad. Sus sueños a nivel laboral son tener un local para atender a toda su clientela, y a nivel familiar darle lo mejor a sus hijos para que su hijo siga en las capacitaciones de la teletón y su hija pequeña pueda asistir al colegio.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Cometa 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 el Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación.
Quilicura es una comuna perteneciente a Santiago, capital de Chile, ubicada en el extremo noroeste de región metropolitana. El origen del nombre de la comuna viene del mapudungun (lengua mapuche): "kila", que significa “tres” y "kura" que significa “piedra”, por lo que se deduce que el nombre de Quilicura equivale a "tres piedras", como el nombre que le dieron los primeros habitantes de este valle en referencia a los tres cerros que son perfectamente visibles y que delimitan la comuna

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
  • 481.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Perseverantes Group's $3,275 loan helped a member to buy flour, sugar, dried fruit, oil and dough.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2012
Listed
Oct 24, 2012
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2013