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Sol De Los Puentes Group
In this Group: Hada, Efrosinia, Silvia, Carmen, Mercedes, Mónica, Carmen , Carmen, María, Eugenia, María, Erika, Irma, Patricio, Carolina, Javier , Diocelina , Blanca
This community bank is called "Sol de los Puentes". It has 18 members who live in the city of Temuco. They all work in different fields, specifically dressmaking and selling merchandise in a street market.

In the photo, Hada is standing up and wearing a black jacket. She is the third person, counting from left to right. Hada is a dressmaker. In particular, she makes drapes, christening robes and borders. She also repairs and sews clothes. She has been in this business for approximately one year. She started out offering her sewing services in nursery schools. She then gave out information about her services in other places such as medical centers and provided information to individuals, offering to make shower curtains.

Hada buys her merchandise in the city of Angol in stores that sell sewing supplies, including fasteners, buttons, threads and fabric. She used her loan to buy 37 meters of fabric for making borders (the top edge of a curtain). In addition, she bought yarn since she also makes and sells scarves. Her business has done very well. She tells us that she always has orders, whether it be from individual customers or establishments that provide services to the community.

Hada's goal is to set up her business in established business premises where she can offer a range of products such as cushion covers, drapes, borders, christening robes, etc. Her dream is to buy an overlock sewing machine as, right now, she only has an ordinary straight line machine.

Hada lives together with her husband and her 15 year-old daughter. She is very grateful for the support provided by Fondo Esperanza and she feels very happy with the other members of her community bank since they have a very good relationship and are very united and supportive as a group. In addition, the group has served as a distraction from her housework and her business.

Temuco is the capital of Araucanía region. The city is located 670 kilometers to the south of Santiago (the capital of Chile). In the surrounding areas are a series of lakeside resorts (Pucón and Villarrica). The native flora and fauna are very colorful and are concentrated in nearby nature reserves. This region is home to 50% of the Mapuches (our country's indigenous people).
View original language description ↓
Éste banco comunal se llama “Sol de los Puentes” y está conformado por 18 emprendedores, pertenecientes a la ciudad de Temuco, todos ellos se dedican a diferentes rubros específicamente corte y confección de ropa, además venta de mercadería en una feria libre.
Hada quien en la foto se encuentra de pie, viste una chaqueta color negro y se ubica en el tercer lugar de izquierda a derecha. Se dedica al corte y confección de ropa, específicamente la realización de cortinas, faldones, cenefas, reparación y costuras de ropas. Se dedica a éste rubro desde hace 1 año aproximadamente, comenzó ofreciendo y vendiendo sus servicios de costura en jardines infantiles, posteriormente se difundió la información de sus servicios en otros espacios como, consultorios y particulares ofreciendo cortinas para baño.
Su mercadería la compra en la ciudad de Angol en tiendas donde venden artículos de costuras, entre estos cierres, botones, hilos, cierres y telas.
Con el crédito compró 37 metros de tela para cenefa (borde superior de una cortina), además compró lana, ya que se ha dedicado a realizar bufandas y a venderlas, le ha ido muy bien. Comenta que siempre tiene pedidos, ya sea de clientes particulares o de establecimientos de servicios a la comunidad.
Sus metas son instalar su negocio en un local establecido, donde pueda tener diversidad de productos, como fundas de cojines, cortinas, cenefas, faldones, entre otros.
Sus sueños son comprarse una máquina de coser overlock, ya que por ahora solo cuenta con una máquina de coser costura recta.
Hada vive junto a su esposo y su hija de 15 años de edad.
Ella está muy agradecida del apoyo brindado por Fondo Esperanza y se encuentra muy contenta con las demás socias del grupo del banco comunal, ya que la relación es muy grata y ellos como grupo son muy unidos y solidarios. Además le ha servido como distracción de sus labores domesticas y de trabajo.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.

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
  • 472.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Sol De Los Puentes Group's $3,625 loan helped a member to buy 37 meters of fabric for a border (the top edge of a curtain) and to buy yarn.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 25, 2011
Jun 22, 2011
Currency Exchange Loss:
Sep 15, 2011