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Los Sembradores Group
In this Group: Maria Carolina, Ignacio Andres, Edder Josue, Maria Teresa Carlina, Carmen Silvia, Rosa Beatriz, Miguel Angel, Marlene Eliana, Alicia Del Carmen, Flor Mariana, Eliana Del Carmen, Veronica Del Carmen, Erika De Las Mercedes, Maria Gertrudis, Marilyn Jimena
María, who is one of the first people in the second row of the photo and is wearing a black sweatshirt, is a member of the Los Sembradores communal bank in Villarica. In this group, the most common job is in sales, but there are a variety of positions, like cheese sales, clothing sales, creating and selling weaving, craft sales, and also a pastry shop and a paintball business.

María sells crafts. About 14 years ago, she began purchasing wooden crafts made by prison inmates. She has lacked money at times, but has always been able to move forward.

With the loan that she is requesting, she will be able to purchase even more crafts now that she has has some orders. Due to the recent orders, she is confident that things will go well for her, but she needs the money to invest.

The thing that she enjoys the most about working with Fondo Esperanza is that there is always an enjoyable dynamic within the group.
View original language description ↓
María quien en la fotografía aparece de las primeras en la segunda fila con polerón negro, integra el Banco Comunal Los Sembradores, de Villarrica. En este Banco Comunal el principal rubro es la venta pero de distintos puntos como lo son venta de queso, venta de ropa, venta y fabricación de tejidos, venta de artesanía, también hay repostería y un lugar para paintball. María vende artesanía, hace aproximadamente 14 años y comenzó comprando la artesanía en madera que hacían los internos en las cárceles. Le ha faltado dinero en algunas ocasiones pero ha podido salir adelante. Con el dinero que está solicitando podrá comprar aún más artesanía ya que ha tenido algunos pedidos, es por esto que está segura que le irá muy bien, pero necesita del dinero para ello. Lo que más le ha gustado de poder trabajar junto a Fondo Esperanza es que existe una entretenida dinámica de grupo siempre.

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
  • 493.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Sembradores Group's $4,250 loan helped a member to buy crafts.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 30, 2013
Oct 21, 2013
Currency Exchange Loss:
Feb 17, 2014