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Anhelo Group
In this Group: Francisca, Monica, Marianela, Adelaida, Maria, Ana, Angelica, Ivan, Viviana, Natalia, Daniela, Daniel, Katherine, Paola, Miguel, Sara, Victoria, Tatiana, Luisa, Luis, Cristina
This communal bank is called "Anhelo." It's made up of 21 entrepreneurs who make a living doing business, specifically selling jewelry made of steel, technological accessories, toys, embroidery, women's clothing, women's lingerie, and chocolates, and working weekly and having a store and a hair salon, among offering other services. All of them belong to the city of Talca.

Francisca, the communal bank group's treasurer who is standing in the back row fourth from the right in the picture, is in front of the window and has long, light brown hair that's down. She's been making a living in the imitation jewelry business (making handmade necklaces and bracelets) for five years and selling young women's clothing for three years. She says that she works from Monday to Friday and her schedule is spread out according to her availability.

She buys the merchandise that she is going to need at a lower cost in the city of Santiago in shops and at wholesalers that specialize in selling imitation jewelry accessories and at clothing stores or street markets, therefore being financially convenient.

With this loan she will buy accessories for necklaces and young women's clothing of different sizes and styles.

The goal of her business is to settle into a store in order to generate greater earnings and thus opt for a better quality of life.

Francisca lives with her mother, grandmother, sister, and young 4-year-old son. Her dream at a personal level is to be able to complete her university studies, and at a working level, to continue with the business in order to provide the best for her son and family.

She is very happy and grateful for this opportunity given by Fondo Esperanza since it will allow her to invest in her business. She says that the trainings have been fundamental for her business and also for her own personal development since she's learned to organize and distribute her earnings and investments in a better way. With respect to the communal bank's group of which she's a part, she says that there's very good communication. Talca belongs to the region of Maule, located in the central area of the country. It represents the administrative, financial, and cultural center of the region being the most important city in the Chilean Central Valley.

There is a curious reference in Chile about Talca- the phrase, "Talca, Paris, and London." Among myths on the subject some say that it's a derivation from that originally said by an Englishman, "Talca looks like London," due to the abundant mist that frequently covers the city in the winter season, resembling the capital of the United Kingdom.
View original language description ↓
Este Banco Comunal se llama “Anhelo” está conformado por 21 emprendedores que se dedican al rubro del comercio, específicamente venta de joyas de acero, accesorios tecnológicos, juguetes, bordados, ropa de mujer, lencería de mujer, semanera, almacén, peluquera, venta de chocolates, servicios entre otros. Todos ellos pertenecientes a la ciudad de Talca.
Francisca, tesorera del grupo del Banco Comunal, quien en la foto se encuentra de pie en la última fila, ocupando el cuarto lugar de derecha a izquierda se encuentra delante de la ventana, usa su cabello largo y suelto y es de color castaño claro.
Ella se dedica al rubro de la bisutería (confección artesanal de collares, pulseras hechas a mano) y venta de ropa de mujer juvenil, desde hace 5 años se dedica a la bisutería artesanal y 3 años a la venta de ropa. Comenta que trabaja de lunes a viernes y su horario lo distribuye de acuerdo a su disponibilidad.
La mercadería que va necesitando la compra en la ciudad de Santiago en locales y distribuidoras que se especializan en vender accesorios para la bisutería y en bodegas o persas para la ropa, a bajo costo por lo tanto conveniente económicamente.
Con el crédito comprará accesorios para collares, ropa juvenil para damas de diferentes tallas y modelos.
Las metas en su negocio son instalarse con una tienda, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Francisca vive junto a su madre, abuela, hermana y su hijo pequeño de 4 años de edad. Sus sueños a nivel personal son poder terminar sus estudios universitarios, y a nivel laboral continuar con el negocio para darle lo mejor a su hijo y familia.
Ella está muy contenta y agradecida de la 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, respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación.
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
  • 483.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Anhelo Group's $5,100 loan helped a member to buy accessories for necklaces and young women's clothing of different sizes and styles.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 26, 2012
Aug 13, 2012
Currency Exchange Loss:
Nov 15, 2012