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Qiñe Mapu Group
In this Group: Guadalupe, Alvaro, Jacqueline, Lyly, Solange, Emily, Bella, Eduardo, Cristian, Mario, Ana, Ruben, Pamela, Irma, Cinthia, Rodrigo, Mercedes, Carlos
This communal bank is called “Quiñe Mapu” and is made up of 18 entrepreneurs who have different business including a cocktail restaurant, fast food, clothes making, jewelry sales, wallet sales, arts and crafts and other services. They are all from the city of Linares.

Guadalupe is part of the communal bank and is shown in the first row of the picture, fifth from the left, wearing pink top, dark pants, with short brown hair.

She sells fast food and has for six years. She says that she set up part of her patio to set up a stand where she can sell empanadas, choclo cakes, and lasagna, depending on the season. She also has a truck and uses it as a means of transport to make her purchases for the business.

She buys her supplies and merchandise at fairs and different supermarkets at low cost, so it’s convenient for her.

She will use the money from this loan to fix up her truck.

One of Guadalupe’s goals is to be able to deliver her food products to larger stores. In this way she can generate more income and have a better quality of life.

Guadalupe lives with her husband and two children, ages 27 and 17, and with an 8 year old grandson. Her dreams for her family are to be able to provide her children with a good education and create new things every day so that she can expand her business.

She is very happy about the opportunity through Fondo Esperanza because it allows her to invest in her business. She says that the training has been fundamental for her business and also for her personal development. She has learned to organize and distribute her income and inventory more effectively.

Linares is an important urban center in the Maula region, located in the country’s central zone. Here, agricultural production in an important export. They raise cereal grains (rice, wheat, corn, oats), vegetables (beets, cabbage, lettuce, chard, beans), and fruit. Linares is the main rice producer in Chile and provides 78% of the total production, mainly in Parral.
View original language description ↓
Este Banco comunal se llama “Quiñe Mapu” está conformado por 18 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; cocteleria, comida rápida, negocio, confección de ropa, venta de joyas, venta de carteras, artesanía, servicios entre otros. Todos ellos pertenecientes a la ciudad de Linares.
Guadalupe, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el quinto lugar de derecha a izquierda, viste una blusa de color rosada, pantalones oscuros, su cabello es de color castaño claro y lo usa corto.
Ella se dedica al rubro de venta de comida rápida, desde hace 6 años. Comenta habilito una parte de su casa en el antejardín para poner su puesto y así ofrecer sus empanadas, pastel de choclo y lasaña según la temporada que se encuentre, además tiene un camión que lo utiliza como medio de transporte para realizar compras para su negocio.
La mercadería e insumos que va necesitando los compra en ferias y diferentes supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito arreglará el camión que le sirve como medio de transporte.
Una de las metas de Guadalupe es poder entregar sus productos alimenticios a locales más grandes, así con esto generar mayores ingresos y optar a una mejor calidad de vida.
Guadalupe vive junto a su esposo, dos hijos de 27 17 años de edad y un nieto de 8 años de edad. Sus sueños a nivel familiar es darle una buena educación a sus hijos, y a nivel laboral crecer dia a dia para poder agrandar su negocio.
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 a organizar y distribuir de mejor manera sus ingresos e inversiones.
Linares es un importante centro urbano de la región del Maule, ubicado en la zona centro del país. En esta zona se desarrolla de manera importante la producción agrícola y también vitivinícola sobresaliendo en el ámbito de las exportaciones. Destacan los cultivos de cereales (arroz, trigo, maíz y avena), hortalizas (remolacha, repollo, lechuga y acelga y legumbres) y frutas. Linares es la principal provincia productora de arroz, en Chile; de hecho, el 78% de la producción nacional de este cereal se da en esta provincia, especialmente en la comuna de Parral.




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
  • 479.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Qiñe Mapu Group's $5,175 loan helped a member to repair her truck.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 12, 2012
Listed
Dec 27, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 17, 2013