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Mujeres Y Hombres Emprendedores Group
In this Group: Francisca, Fabian, Gloria, Paz Maricarmen, Paz Katia, Carolina, Paula, Paula, Maria, Oriana, Oriana, Jessica, Sol, Marianela, Edith, Erick, Gloria
This community bank is called 'Mujeres y Hombres Emprendedores' (Entrepreneurial Men and Women) and it is made up of 17 entrepreneurs who all work in different fields including selling goods in the market, selling pizza, selling cakes, selling beauty products, running a store, providing services, etc. They all live in Peñalolén district, in the city of Santiago.

Francisca is the group secretary. In the photo she is crouching down, wearing a gray top with yellow and white stripes. She has long, brown hair and is wearing large, white earrings.

Francisca's business is selling items from a general store. She has been in this business for a month. She says that the store is located in her own home and she works from Monday to Sunday. Her work hours depend on her availability.

Francisca buys her merchandise from different suppliers and supermarkets at low cost which is financially convenient. She will use her loan to buy school supplies, creams, toys, light bulbs, socks, shampoo and a variety of other items for her store. One of her goals as regards her store is to have all kinds of items available so that she can increase her sales, gain more customers and ultimately provide her family with a better quality of life.

Francisca lives together with her husband and their 8-year-old son. Her dream is to have a large store and a lot of customers. She is very happy and grateful for the opportunity she is receiving from Fondo Esperanza because it allows her to invest in her business. She also feels very comfortable in the company of the other entrepreneurs who belong to her community bank because they share business types and interests and it keeps her occupied.

Peñalolén is located to the east of the Metropolitan region. The area has a number of attractions such as vineyards, buildings which are considered heritage sites, and outdoor places where you can go on trips. These elements are turning the district into a new tourist spot within the Metropolitan region.
View original language description ↓
Este Banco Comunal se llama “Mujeres y Hombres Emprendedores” está conformado por 17 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; feriantes, venta de pizza, venta de pasteles, venta de productos de belleza, almacén, servicios entre otros. Todos ellos perteneciente a la comuna de Peñalolén, ubicada en la ciudad de Santiago.
Francisca, secretaria del grupo del Banco Comunal, quien en la foto se encuentra en cuclillas, viste un poleron de color gris con franjas de color amarillo y blanco, su cabello es largo de color castaño y lo usa tomado, luce unos aros grandes de color blanco.
Francisca se dedica al rubro de venta de bazar, desde hace 1 mes, comenta que su bazar lo ubica en su propia casa y trabaja de lunes a domingo y su horario de trabajo lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en diferentes distribuidoras y supermercados a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará útiles escolares, cremas, juguetes, ampolletas, calcetines, shampoo, artículos varios para su bazar.
Una de sus metas en su bazar es tener de todo tipo de artículos para incrementar las ventas y tener más clientela, así con esto optar a una mejor calidad de vida junto a su familia.
Francisca vive junto a su esposo y su pequeño hijo de 8 años de edad. Sus sueños son tener un gran bazar y mucha clientela.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo del Banco Comunal, ya que comparten diferentes actividades, intereses, lo cual también le ha servido como un momento de distracción.
Peñalolén se localiza al oriente de la región metropolitana. Cuenta con diversos atractivos tales como viñas, edificios considerados patrimonio histórico y sitios naturales de excursión, elementos que están transformando a esta comuna en un nuevo panorama turístico dentro de la región Metropolitana.

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
  • 501.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres Y Hombres Emprendedores Group's $3,325 loan helped a member to buy school supplies, creams, toys, light bulbs, socks, shampoo and other items for her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 30, 2012
Jun 19, 2012
Currency Exchange Loss:
Oct 15, 2012