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Emprendiendo Paso A Paso Group
In this Group: Alejandra, Viviana, Jacqueline, Norma, Maria, Carla, Pedro, Jose , Ana Rebeca, Maria, Maria Teresa, Patricia, Jimena, Alex, Marcela, Sintia, Karina, Elisa, Miriam, Gilda, Eduardo
This community bank is called “Emprendiendo paso a paso”. It has 21 members who work in different businesses including: running a grocery store, shoe making, knitting, selling desserts, running a mini-mart, making handicrafts, selling vegetables, selling perfumes and providing services. All of the group's members live in the city of Chillán.

Alejandra is a member of this group. In the photo, she is standing second from the left, in the second row. She is wearing a dark green fleece and she has dark brown hair which is not tied back.

Alejandra has been selling pet food for four months. She says that she rents a house with premises which she fixed up so that she could start a business selling pet food. She works from Monday to Saturday, whenever she is available. She buys the merchandise and supplies that she needs from different suppliers in her area who offer her good merchandise at low prices which works out well for her.

Alejandra will use her loan to buy pet food for cats, dogs, chickens, rabbits and hens. One of her goals is to expand her business and start selling other products such as household furniture as her premises are large and she wants to use all of the space available to her. She would also like to be able to make more income and provide her family with a better quality of life and financial security.

Alejandra lives together with her two young daughters who are 7 and 4 years old. Her dreams for her family are to provide her daughters with the best, ensuring they receive a good education in the future. On a business level, she would like to gain more strength so that she can continue developing on a daily basis and become a successful micro-businesswoman.

Alejandra is very happy and grateful for the opportunity provided by Fondo Esperanza as it will allow her to invest in her business. She says that the training sessions she has attended have been incredibly important for her business and also in terms of her own personal development as she has learned how to better organize and distribute her income and investments. As far as her community bank is concerned, she says that the group enjoys very good communication among its members.

Chillán is a town in the central south region of Chile. The name means 'chair of the sun' in Mapudungun, the language of the indigenous Mapuche people. Chillán is known as the 'birthplace of the nation' or 'land of artists' as it is the birthplace of some famous figures from Chilean history such as, for example, the well-known pianist Claudio Arrau.
View original language description ↓
Este Banco Comunal se llama “Emprendiendo paso a paso” está conformado por 21 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; almacén, zapatería, tejido, venta de postres, minimarket, manualidades, venta de verduras, venta de perfumes, servicios entre otros. Todos ellos pertenecientes a la ciudad de Chillan.
Alejandra, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en segunda fila, ocupando el segundo lugar de izquierda a derecha, viste una polera de color verde oscuro, su cabello lo usa suelto y es de color castaño oscuro.
Ella se dedica al rubro de venta de alimentos para mascotas desde hace 4 meses. Comenta que arrienda una casa donde contaba con un local y éste lo habilito para la venta de comida de mascotas, trabaja de lunes a sábado y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería e insumos que va necesitando lo compra a diferentes proveedores de la zona, donde le ofrecen una buena mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará alimentos para gatos, perros, pollo, conejo, gallinas.
Una de las metas de Alejandra es agrandar su negocio vendiendo otras cosas como muebles para el hogar, ya que su local es grande y quiere ocupar todo el local, así con esto generar mayores ingresos y optar a una mejor calidad de vida y un buen pasar económico a su familia.
Alejandra vive junto a sus dos hijas pequeñas de 7 y 4 años de edad. Sus sueños a nivel familiar es darle lo mejor a sus hijas y un buen futuro escolar, y a nivel laboral tener más fuerzas para seguir creciendo dia a dia y lograr ser una microempresaria.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que las capacitaciones han sido fundamentales para su negocio y también para su desarrollo personal, ya que ha aprendido organizar y distribuir de mejor manera sus ingresos e inversiones. Respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.





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
  • $2,637,700
    Funds lent in using Kiva
  • 475.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Emprendiendo Paso A Paso Group's $6,600 loan helped a member to buy pet food for cats, dogs, chickens, rabbits and hens.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 26, 2012
Listed
Dec 18, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 17, 2013