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Newen Tragün Group
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Zunilda, who is on the far right of the photo, dressed in a white blouse and holding a green and brown bag, is a courageous woman who participates in the communal bank of Villarrica named Newn Tragun. In this communal bank, there is a variety of businesses. Members who stand out include those who have a ruca (a traditional home of the Mapuches), artists who work in wool and leather, massage therapists, those who work in tourism, designers, gardeners, and those who sell food out of street carts.

Zunilda, who is our interviewee, tells us that she has a little food cart, and she also sells handicrafts. She tells us that she started her business approximately 11 years ago, and that she learned everything from her culture, the mapuche culture. There was always present in her life crocheting, weaving, making handicrafts, and cooking typical foods, as well as having a stove where she brought to life the meals of Chile. She also teaches free classes to those who want to learn the trade. She has had many problems getting ahead because on the way she has lost her mother, her husband, and her son. In addition to being alone caring for her land, her siblings decided to leave to live in the city, looking for more work, and they abandoned her. This is why she has had to work alone and care for her land alone. Also, she has not had the water she needs because where she lives there is not plumbing for water. The only thing to do is go look for it in the lakes or take it out of wells. This is why her business has been affected. Because of this, she has to leave her land and go live somewhere else. With the loan that she will receive, she will be able to buy more supplies for her business such as wool and supplies to teach her classes for free. She hopes that things will go very well for her business even though she has to relocate. She knows that it could go very well for her. She has greatly enjoyed working with Kiva partner Fondo Esperanza for the loans she has requested and the responsibility of working with them.

**Translator's note: The advertisement in the background of the photo says "To know that you help me, for me is a miracle."
View original language description ↓
Zunilda, quien está ubicada al extremo derecho agachada con una blusa blanca y un morral verde con café, es una aguerrida mujer que participa en el Banco Comunal de Villarrica, llamado Newen Tragün. En este Banco Comunal hay variados negocios entre los cuales destacan socios que tiene una ruca, (vivienda tradicional de mapuches), artesanías en lana y cuero, masajistas, turismo, proyectistas, jardineros, y venta de comidas en carros ambulantes. Zunilda, quien es nuestra entrevistada, nos cuenta que ella tiene un carrito de venta de comida, además de vender artesanías, nos cuenta que su negocio lo empezó hace 11 años aproximadamente, y que todo lo aprendió de su cultura, la mapuche; siempre en su vida estuvo presente el tejer a telar, hacer artesanías y cocinar comidas típicas además de tener un fogón en donde se preocupa de rescatar la artesanía típica de Chile, y también imparte cursos gratis para quienes quieren aprenderla. Ha tenido muchos problemas para poder salir adelante, ya que en el camino ha perdido a su madre, su esposo y su hijo, además de quedarse sola cuidando sus tierras, ya que sus hermanos decidieron irse a vivir a la ciudad, buscando más trabajo y a ella la abandonaron, por lo cual ella ha debido trabajar sola, y cuidar sola de sus tierras, además de no contar con el agua necesaria, ya que en donde ella vive no existe el agua por cañerías, solo hay que ir a buscarla a lagos o sacarla de pozos, es por esto que su negocio se ha visto afectado. Debido a esto, ella debe dejar sus terrenos e irse a vivir a otras tierras. Con el crédito que obtendrá, podrá comprar más insumos para su negocio, como por ejemplo lana, insumos para dar sus cursos gratis. Espera que le vaya muy bien en su negocio a pesar de que deba cambiarse de lugar, sabe que podría irle muy bien. Le ha gustado mucho trabajar junto a Fondo Esperanza por los requisitos que solicitan y la responsabilidad con la que se trabaja.

Additional Information

More information about this loan

This loan targets populations in financially underserved regions of Chile. Thanks to its numerous branches, Fondo Esperanza is present nationwide and offers loans to micro-entrepreneurs in a country known for its limited microfinance industry. This Kiva loan enables entrepreneurs to maintain their current businesses in areas where Fondo Esperanza is the only available and accessible financial institution.

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
  • 471.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Newen Tragün Group's $5,600 loan helped a member purchase wool and supplies for her classes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 29, 2013
May 11, 2013
Currency Exchange Loss:
Sep 19, 2013