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Construyendo Sueños Con Esperanza Group
In this Group: Mirtha, Oscar, Gueybbi, Elisa, Rosa, Fernanda, Nelly, Marisol, Marisol, Neil, Judith, Carmen, Maria, Karen, Katherine, Regina, Mitzi, Maria, Olivia
This community bank is called "Building Dreams with Hope." It consists of 19 entrepreneurs who are dedicated to different areas among which are; selling pies, lingerie, perfume, silver jewelry, market sellers, selling clothing, among other services. They all belong to the district of Casablanca, located in the city of Valparaiso.

Mirtha is a member of the community bank who in the picture is sitting in the front row, ranking second from right to left, wearing a white colored shirt, brown jacket, jeans. Her hair is light brown, long and loose. On her legs is a green and brown bag in a craftsmanship style. She sells clothing specifically linen for 2 years. She comments that she works selling clothes by catalog and offers in schools, kindergartens, to neighbors, friends and family, working from Monday to Saturday and distributes her schedule according to their availability.

The merchandise that she is going to need to buy in the city of Santiago, where she finds a variety of clothing and novelties to offer to customers at low-cost and therefore economically desirable. With the loan, she will buy lingerie clothes, blankets, sheets, pillows, towel sets, shower curtains. One of Mirtha's goals is to install a shop near the center of where she lives, where she can display all her goods and serve more comfortably and therefore generate more income and improve the quality of life.

Mirtha lives with her husband. His dreams at a working level are to grow and sell a lot more merchandise every day, and at a personal level be independent in her field. She is very happy and grateful for the opportunity provided by Fondo Esperanza, since they will allow you to invest in her business.

With respect to the community bank group that she's part of, she says that in it there is very good communication. Furthermore the training, have helped her learn new sales strategies and accounting.

Casablanca is a community in the province of Valparaiso, located in the region of the same name. It has a Mediterranean climate, with prolonged summers of drought and short but very strong winter rains. The name "Casablanca" comes from the sixteenth century when there was "a house of whitish walls" on a hill located on the side of one of its oldest roads, called royal road of carts. Today its economy is based on services, agriculture, transportation, agribusiness, tourism, and trade.
View original language description ↓
Este Banco Comunal se llama “Construyendo sueños con Esperanza” está conformado por 19 emprendedores quienes se dedican a diferentes rubros entre los cuales se encuentran; venta de empanadas, venta de lencería, venta de perfumes, venta de joyas de plata, feriantes, venta de ropa, servicios entre otros. Todos ellos pertenecientes a la comuna de Casablanca, ubicada en la ciudad de Valparaíso.
Mirtha, integrante del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila, ocupando el segundo lugar de derecha a izquierda, viste una polera de color blanca, chaqueta de color café, jeans, su cabello es de color castaño claro, lo usa largo y suelto, en sus piernas tiene una cartera de color café y verde estilo artesanal.
Ella se dedica a vender ropa específicamente ropa de casa, lencería desde hace 2 años. Comenta que trabaja vendiendo ropa por catalogo y los ofrece en colegios, jardines infantiles, vecinos, amigos y familiares, trabaja de lunes a sábado y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra en la ciudad de Santiago, donde encuentra gran variedad de ropa y novedades para ofrecer a su clientela a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará ropa de lencería, cobertores, sabanas, almohadones, juegos de toallas, cortinas de baño.
Una de las metas de Mirtha es instalar un local cerca del centro de donde vive, donde pueda exhibir toda su mercadería y atender de manera mas cómoda, así generar mayores ingresos y mejorar la calidad de vida.
Mirtha vive junto a su marido. Sus sueños a nivel laboral es crecer y vender cada dia mucha más mercadería, y a nivel personal ser independiente en su rubro.
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 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.
Casablanca es una comuna de la provincia de Valparaíso, ubicada en la región del mismo nombre. Tiene un clima de tipo mediterráneo, con veranos de sequía prolongada y lluvias invernales cortas, pero muy fuertes. El nombre “Casablanca” proviene del siglo XVI cuando existía “una casa de muros blanquecinos“ sobre una loma ubicada a un costado de uno de sus caminos más antiguos, llamado camino real de carretas.
Actualmente su economía se basa en servicios, agricultura, transporte, agroindustria, turismo, comercio.



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
  • $2,587,775
    Funds lent in using Kiva
  • 484.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Construyendo Sueños Con Esperanza Group's $4,525 loan helped a member to buy lingerie, blankets, sheets, pillows, towel sets, shower curtains.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 12, 2012
Listed
Nov 17, 2012
Currency Exchange Loss:
Possible
Ended:
May 4, 2013