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Los Microempresarios Group
In this Group: Diana, Laura, Roxana, Fernando, Ramón, Arlette, Macarena, Juan, Tatiana, Carola, Margarita, Angelica, Nathalie, Pierett, Jimena, Nora*, Juan*
* not pictured

Update on Los Microempresarios Group

This communal bank is called, "Los Microempresarios", and is made up of 17 entrepreneurs who work in various areas, including hairstyling, firewood, clothing sales, and others. All of them are from the city of Temuco. Diane is seen in the photo in the first row, crouching next to the table she is leaning on. In addition, she has dark brown hair that she wears pulled back. She is wearing fuschia-colored earrings and a printed blouse with fuschia, black and white colors.

She makes clothing, and since the date of the last loan, her business has done well, as she has been able to invest in supplies for her business. With this investment, her clientele has increased considerably. At the present time, she serves two private companies and a school.

These are the places she delivers T-shirts, work outfits, and tracksuits for school. As she also does exclusive clothing designs, currently she also makes evening dresses for individual customers.

With respect to her personal life, she says that she has already applied for a housing subsidy, and that she must wait only three months to select and buy her own home. She will also buy a car, which she will use to transport her merchandise. Her goal is still to establish herself in business, in order to open her own clothing boutique.

Diana is very thankful for the opportunity provided her by Fondo Esperanza. It has allowed her to continue investing in her business, so she will continue participating in the institution. In addition, she says that with the on-going training, she continues to learn new sales strategies.

Temuco is the capital of the Araucania region and is located 670 kilometers south of Santiago (the capital of Chile). There are a series of bathing spas (Pucón, Villarrica) on lakes around the city and very striking native flora and fauna concentrated in the nearby natural parks. It is worth emphasizing that 50% of the Mapuches, a native people of Chile, live in the area.
View original language description ↓
Este Banco comunal se llama “Los Microempresarios” está conformado por 17 emprendedores quienes se dedican a diferentes rubros entre los cuales se encuentran peluquería, corte de leña y venta de ropa, entre otros. Todos ellos pertenecientes a la ciudad de Temuco.
Diana quien en la foto se encuentra en la primera fila, de cuclillas junto a la mesa, ya que está apoyada sobre esta. Ella además usa su cabello tomado, que es de color castaño oscuro, usa uno aros color fucsia y una polera estampada con colores fucsias, negros y blancos.
Ella se dedica a la confección de vestuario y desde la fecha del último crédito su negocio ha funcionado positivamente, ya que pudo invertir en insumos para su negocio. Con ésta inversión su clientela ha aumentado considerablemente. Actualmente se encuentra al servicio de dos empresas privadas y un colegio. Lugares a los que entrega poleras, trajes de trabajo y buzos para colegio.
Como ella también se dedica a diseñar exclusivos modelos de ropa, en la actualidad también confecciona vestidos de gala en forma particular.
Respecto a su vida personal comenta que ya postuló al subsidio habitacional y que debe esperar solo 3 meses para escoger y comprar su casa propia. También comprará un auto, el cual le servirá para trasladar su mercadería. Sus metas aún siguen siendo establecerse en su negocio, para abrir una boutique de ropa.
Diana está muy agradecida de la oportunidad brindada por Fondo esperanza, ya que le ha permitido seguir invirtiendo en su negocio, por lo que continuará participando en la institución.
Además comenta que con las capacitaciones continuas, sigue aprendiendo nuevas estrategias en ventas.
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.

Previous Loan Details

The communal bank “Los Microempresarios” (the small entrepreneurs) is made up of 19 businesspeople who work in different areas such as: cosmetology, firewood, clothing sales, etc. All live in the city of Temuco. Diana, who is pictured second in the photo going from the left to right, is dresse... More from Los Microempresarios Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 478.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Microempresarios Group's $6,725 loan helped a member to buy clothes, and fabrics and patterns in order to make new designs.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 27, 2012
Feb 18, 2012
Currency Exchange Loss:
Jun 15, 2012