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Las Brisas Group
In this Group: Monica, Yessica, Sandra, Luz, Marisol, Gloria, Claudia, Olga, Gloria, Marisol, Margarita, Karen, Valeska, Nancy, Graciela, Carolina, Cristina, Ingrid, Bernardita, Manuel, Gloria
This communal bank, called Las Brisas, is made up of 21 entrepreneurs who are involved in different businesses, such as the sale of clothing, homemade bread, “mote con huesillo” (a traditional Chilean summer-time drink), hairdressing, home product sales and services, among others. All of the members come from the city of Talca.

Monica is the member of the communal bank who is seen standing in the middle of the photo, dressed in a beige top and blue jeans and holding a black purse. She has dark chestnut hair, which she wears loose.

Monica has been selling ice cream and “semillas de maravilla” (sunflower seeds), She works at home from Mondays to Sundays, preferably in the afternoons. She buys the merchandise she needs from distributors who specialize in selling ice cream wholesale at a low cost, so that it is economically feasible. She will use the loan to purchase sunflower seeds and ice cream.

One of Monica’s goals is to expand her business day by day and to have a larger place where she can comfortably wait on her customers and increase her sales.

Monica lives with her husband and two children, who are 16 and 9 years old. Her dreams relative to her business are to have a larger venue and with regard to her family are to provide a good life for her children. She is very happy and grateful for the opportunity that Fondo Esperanza is giving her to invest in her business.

Monica notes that she has very good communication with the members of her communal bank and that the training workshops have helped her learn new sales strategies and bookkeeping.

Talca is part of the Maule region, located in the center of the country. It constitutes the administrative, economical and cultural center of the region and is the most important city of Chile’s Valle Central. In Chile, Talca is referred to in the curious phrase: “Talca, Paris and London.” Some say that the phrase is a derivation of the saying, originally in English, that “Talca is like London” because of the abundant fog that frequently covers the city in the winter, similar to the capital of the United Kingdom.
View original language description ↓
Este Banco Comunal se llama “Las Brisas” está conformado por 21 emprendedores quienes se dedican a diferentes rubros entre los cuales se encuentran; venta de ropa, venta de pan amasado, venta de mote con huesillo (bebida típica chilena para la temporada de verano), peluquería, venta de productos para el hogar, servicios entre otros. Todos ellos pertenecientes a la ciudad de Talca.
Monica, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie al medio de la foto, viste una polera de color beige, blue jeans, cartera de color negra, su cabello es de color castaño oscuro y lo usa suelto.
Ella se dedica al a venta de helados y semillas de maravilla, desde hace 2 años. Comenta que trabaja en su casa de lunes a domingo y de preferencia trabaja en la tarde.
La mercadería que va necesitando la compra en distribuidoras que se especializan en ventas de helados al por mayor a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará semillas de maravilla y helados.
Una de las metas de Mónica es crecer dia dia en su negocio y tener un local más grande donde pueda a tender a su clientela de manera tranquila y vender más cosas.
Monica vive junto a su esposo y dos hijos de 16 y 9 años de edad. Sus sueños a nivel laboral tener un local mas grande, y a nivel familiar darles un buen pasar a sus hijos.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza para 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.
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
  • 475.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Brisas Group's $6,675 loan helped a member to purchase sunflower seeds and ice cream.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 17, 2012
Listed
Dec 21, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 17, 2013