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Sandra is part of the village bank "Pueblo de Indios Emprende," which serves the town of San Vicente de Tagua Tagua, where she is the president. She has a store selling groceries, candies, and ice cream and also has has video games. Sandra is the only one that works in her store, which has economically sustained her household of two children, ages 10 and 5. In addition, she makes cakes, hot dogs, and steak sandwiches and other items to sell on weekends.

With this loan she will buy more merchandise. Her dream is to have a cafeteria where she can serve lunch on land that she inherited. It is in a good location for what she wants and a subsidy has allowed her to have a house within the next year or so. Fondo Esperanza has given her a lot of motivation to improve her business.

San Vicente de Tagua Tagua is a town in the central part of Chile belonging to the Libertador General Bernardo O'Higgins region, located on the shore of the Estero Zamorano river. Its principal economic sources comes from the cultivation of limes, oranges, and avocados.
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Sandra forma parte del banco comunal “Pueblo de Indios Emprende”, perteneciente a la comuna de San Vicente de Tagua Tagua, en donde ocupa el cargo de presidenta. Ella tiene un almacén de abarrotes, confites, helados y máquinas de juegos, hace dos años, en su casa. Sandra atiende sola su negocio y esta actividad es el único sustento económico para su hogar compuesto por ella y sus dos hijos, de 10 y 5 años. Además prepara pasteles, hot dogs y sándwiches de churrascos y otros agregados para vender los fines de semana.
Con este préstamo comprará mercadería en general. Su sueño es tener una cafetería, en donde también pudiera vender colaciones, para lo que ya cuenta con un terreno que heredó, bien ubicado para lo que quiere y con un subsidio para tener ahí mismo una casa, dentro de aproximadamente un año. Menciona que de Fondo Esperanza ha recibido mucha motivación para superarse en su negocio.
San Vicente de Tagua Tagua es una comuna de la zona central de Chile, perteneciente a la región del Libertador General Bernardo O’higgins, emplazada a orillas del río Estero Zamorano. Su principal fuente económica se basa en la producción de limones, naranjas y paltas.

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.

About Chile

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 485.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Sandra to buy merchandise for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 22, 2010
Nov 1, 2010
Currency Exchange Loss:
May 15, 2011