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Diversidades Group
In this Group: Cynthia, Elsa, Andreina, Francisco, Amanda, Angela, Maricel, Margarita, Teresa, Bertilda, Maria Elena, Adelaida, Sandra, Luz, Isabel
This communal bank is called "Diversidades" ("Diversities") and it's comprised of 15 entrepreneurs who are in various lines of work. Among them are owning a sales stall, owning a gym, making crafts, selling eggs, making pastries, manufacturing covers, providing services, etc. All of them belong to the township of Independencia, located in the city of Santiago.
Cynthia is the president of the communal bank. In the photo she's pictured standing up in the front row, the third one from right to left. She's wearing a coffee-colored jacket and a salmon-colored shirt, and she carries a black purse with a shoulder strap. Her hair is dark brown and she wears it down.
She's been a veterinarian for the past 10 years. She reports that she works alongside 20 people who provide vaccines, neutering and worming for both domestic and stray animals. She works Monday through Saturday; on weekdays she neuters and examines the animals, and on Saturdays she provides vaccines. At her home she has 30 dogs as pets. She organizes her working hours according to her availability, since she occasionally visits her clientele in their homes.
She buys the merchandise and supplies she needs from various distributors at low prices, which is financially convenient.
With this loan she'll purchase an ultrasound machine for cleaning pets' teeth.
One of Cynthia's goals is to set up a veterinary clinic along with her fellow workers. That way she'll increase her earnings in order to grow and set up a veterinary hospital.
Cynthia lives with her mother. Her personal and professional dream is to set up a veterinary clinic.
She's very glad and thankful for the opportunity she's been given by Fondo Esperanza, since it will allow her to invest in her business. As for the communal bank she belongs to, she reports that they have very good communication. On the other hand, the trainings have helped her to learn new sales and accounting strategies.
Independencia is one of the 34 townships that comprise the city of Santiago (the capital of Chile), located in the middle-north area. It surfaced in the late 19th century as a traditional area of town. Its main axis is Independencia Avenue, through which passed the ancient Inca Trail, the north entrance to the city of Santiago. Given its large indigenous population, Independencia is home to Chile's Indigenous Cultural Center. It also has important historical buildings, such as six historical monuments of Chile.
View original language description ↓
Este Banco Comunal se llama “Diversidades” está conformado por 15 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; feriantes, gimnasia, artesanía, venta de huevos, confitería, confección de fundas, servicios entre otros. Todos ellos pertenecientes a la comuna de Independencia, ubicada en la ciudad de Santiago.
Cynthia, presidenta del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el tercer lugar de derecha a izquierda, viste una chaqueta de color café, una polera de color salmón, lleva puesto una cartera cruzada de color negro, su cabello es de color castaño oscuro y lo usa suelto.
Ella se dedica al rubro de la veterinaria desde hace 10 años. Comenta que trabaja en comunidad con 20 personas que se encargan de vacunar, esterilizar y desparasitar animales tanto domésticos como los de las calles, trabaja de lunes a sábado, donde en la semana se encarga de realizar esterilización y revisión a los anímales, y los sábados realiza vacunaciones, dentro de su hogar vive con 30 perros, que son sus mascotas, su horario de trabajo lo distribuye de acuerdo a su disponibilidad, ya que a veces se dirige a los domicilios de sus clientelas.
La mercadería e insumos que va necesitando en la veterinaria los compra en diferentes distribuidoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará una maquina ultrasonido de limpieza dental para mascotas.
Una de las metas de Cynthia es instalar una clínica veterinaria junto con sus trabajadores, así generar mayores ingresos para crecer e instalar un hospital veterinario.
Cynthia vive junto a su madre. Sus sueños a nivel personal y laboral colocar una clínica veterinaria.
Ella se encuentra muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
Independencia es una de las 34 comunas que componen la ciudad de Santiago (capital de Chile), ubicada en el sector centro-norte. Surgió a fines del siglo XIX como un sector tradicional de la ciudad. Su eje principal es la Av. Independencia, por la cual pasaba el antiguo Camino del Inca, puerta de entrada por el norte, a la ciudad de Santiago. Dada su amplia población indígena, en Independencia se encuentra el Centro Cultural Indígena de Chile. Cuenta también con importantes construcciones históricas, entre ellas 6 monumentos históricos de Chile.


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
  • 1
    View loans »
    Chile Loans Fundraising
  • $2,587,775
    Funds lent in using Kiva
  • 480.8
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Diversidades Group's $3,450 loan helped a member to purchase an ultrasound machine for cleaning pets' teeth.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 29, 2012
Listed
Oct 29, 2012
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2013