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2012 Group
In this Group: Makarena, Alejandra, Yohana, Ana Maria, Lucy, Jeannette, Yesenia, Jose, Maciel, Barbara, Bruno, Mayeli, Margot, Arline, Reinaldo, Jacqueline, Jose, Ricardo, Pablo, Sandra, Karin
This communal bank is called “2012” and is made up of 21 entrepreneurs who work in different areas, among whom are market traders, podiatrist, jewelry seller, manufacturer, clothing seller and service workers among others. All live in the city of Chillan.

Makarena is a member of the communal bank who is standing in the first row, second from left, dressed in blue jeans and a black jacket, with a white scarf around her neck, carrying a black bag over her shoulder, with black hair handing loose.

She has been producing a product, specifically sweets and cakes, for the past 3 months. She works at home 3 times a week and she organizes her work schedule according to her availability because she sometimes goes to her customers’ homes.

The merchandise and supplies she needs, she buys at supermarkets and stores where they sell ingredients at low cost since that is most economically feasible. With the loan she will buy sweets, delicacies, coconut, flour, butter.

One of Makarena’s goals is for her business to continue growing so she can continue attracting customers and thus aim for a better quality of life.

Makarena lives with her parents. Her dreams regarding work are to become a great small business woman and grow professionally. She is very happy and grateful for the support and opportunity provided by Fondo Esperanza because it will enable her to invest in her business. She notes that the training workshops have been fundamental for her business and also for her personal development because she has learned to organize and better allocate her income and investments.

Chillán is a community in south-central Chile. Its name means “Seat of the Sun” in Mapudungun, the language of the indigenous Mapuche people. Chillán is also known as “The Cradle of the Nation” and “Land of Artists” because many leading figures in Chilean history were born here, such as the famous pianist Claudio Arrau.
View original language description ↓
Este Banco Comunal se llama “2012” está conformado por 21 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; feriantes, podología, venta de joyas, manufactura, venta de ropa, servicios entre otros. Todos ellos pertenecientes a la ciudad de Chillan.
Makarena, integrante del grupo del Banco Comunal, quien en la foto se encuentra de pie en primera fila, ocupando el segundo lugar de izquierda a derecha, viste un blue jeans, chaqueta de color negra, usa un pañuelo en su cuello de color blanco y lleva puesta una cartera de color negra, su cabello es de color negro y lo usa suelto.
Ella se dedica al rubro de la manufactura específicamente en dulces y tortas, desde hace 3 meses. Se desempeña en sus labores en su casa 3 veces a la semana y su horario lo distribuye de acuerdo a su disponibilidad ya que es ella quien a veces se dirige a los domicilios de sus clientes.
La mercadería e insumos que va necesitando los compra en supermercados y locales donde venden productos de manufacturación, a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará dulces, manjar, coco, harina, mantequilla, para sus dulces y tortas
Una de las metas de Makarena en su negocio es continuar y crecer para seguir captando clientela, así con esto optar a una mejor calidad de vida.
Makarena vive junto a sus padres. Sus sueños a nivel laboral es llegar a ser una gran microempresaria y crecer profesionalmente.
Ella está muy contenta y agradecida del apoyo y 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.
Chillán es una comuna de la zona centro sur de Chile. Su nombre significa “silla del sol” en mapudungun, idioma de nuestros indígenas mapuches. Chillán es conocida como “Cuna de la Patria” o “Tierra de Artistas”, debido a que en la ciudad han nacido destacados personajes de la historia de Chile, como por ejemplo el conocido pianista Claudio Arrau.

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
  • 483.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of 2012 Group's $5,650 loan helped a member to buy sweets, delicacies, coconut, flour and butter for her sweets and cakes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 26, 2012
Aug 13, 2012
Currency Exchange Loss:
Dec 15, 2012