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Nueva Oportunidad Group
In this Group: Claudia, Maria, Lorena, Jorge, Maria, Alamias, Delmira, Jacqueline, Soledad , Alicia, Victoria, Maria, Ana, Sandra, Susana, Elsa, Paola
This communal bank is called “ Nueva Esperanza” (New Hope). It is made up of 17 entrepreneurs who makes their livings in different lines of work including clothing sales, wood sales, firewood sales, jewelry, perfumes, loaf bread and services, among others. They all live in the city of Talca.
Claudia, the representative of the communal bank, is in the first row of the photo. She is the third from the left, wearing a white jacket with pink trim and has light brown hair worn in a ponytail.
Claudia makes her living baking, making cushions and making bathroom curtains. She says that she works with others making the cushions, which she does from Monday to Sunday. And in the afternoons, she sells her baked goods, specifically cakes, and "calzones roto" (a Chilean sweet made of fried dough. It uses flour, baking powder, powdered sugar and eggs and is usually served in the wintertime). Claudia's work schedule is divided according to her availability. She purchases her merchandise from supermarkets and wholesalers that offer everything she needs for her baked goods, cushions and curtains at low cost, which makes it economically advisable.
With this loan, Claudia will make purchases for her baked goods, specifically flour, eggs, oil, sugar and margarine.
Claudia's goal is to get even better at making the cushions and curtains, as she hasn't been doing it for as long.
Claudia lives with her 9-year old daughter. Her dream for her personal life is to finish school, as she was only able to attend through her eighth year of primary school.
Claudia is very happy about and grateful for the opportunity Fondo Esperanza has offered her to invest in her business. In addition, she feels very comfortable with the other entrepreneurs in the communal bank; they share with each other their different businesses and interests.
Talca belongs the Maule Region, which is located in Chile's central zone. It constitutes the administrative, economic and cultural center of the region. It is the most important city in the Chilean Central Valley. There is a funny saying in Chile about Talca, the phrase "Talca, París, y Londres." (Talca, Paris and London). Among the rumors, it is said that the phrase is a derivation of one originally said by an Englishman "Talca parece Londres" (Talca seems like London) because of the abundant fog that frequently covers the city in wintertime, just like in the capital of the United Kingdom.
View original language description ↓
Este Banco Comunal se llama “ Nueva Esperanza” está conformado por 17 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de ropa, venta de madera, venta de leña, joyas, perfumes, venta de pan amasado, servicios entre otros. Todos pertenecientes a la ciudad de Talca.
Claudia delegada del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el tercer lugar de izquierda a derecha, viste una chaqueta de color blanca con franjas de color rosado, su cabello es de color castaño claro y lo usa tomado.
Ella se dedica al rubro de la amasandería y confección de cojines y cortinas de baño, desde hace 6 años. Comenta que trabaja acompañada en la parte de confeccionar los cojines de lunes a domingo, y en la tarde se dedica a la venta de amasandería específicamente en queques, calzones roto (son un dulce típico de Chile, compuesto de una masa frita hecha de harina, polvos de hornear, azúcar flor y huevos. Esta comida se sirve generalmente en invierno), su horario de trabajo lo distribuye de acuerdo a su disponibilidad. Su mercadería la compra en supermercados y distribuidoras donde encuentra de todo para su amasandería y confecciones a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará para su amasandería específicamente harina, huevos, aceite, azúcar, margarina.
Las metas de Claudia son poder perfeccionarse aún más en el rubro de la confección ya que lleva menos tiempo realizando este rubro.
Claudia vive junto a su hija de 9 años de edad. Sus sueños a nivel personal son terminar sus estudios ya que pudo llegar solamente hasta octavo año de Liceo.
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 e intereses.
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
  • 487.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Nueva Oportunidad Group's $3,275 loan helped a member to make purchases for her baked goods, specifically flour, eggs, oil, sugar and margarine.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Jul 25, 2012
Currency Exchange Loss:
Nov 15, 2012