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Bernarda
Bernarda is a member of the “Esperanza y Fe” (Hope and Faith) communal bank in Independencia. For 20 years she has gone out daily on her three-wheel vehicle to sell magazines, newspapers and products that the same newspapers offer on special sale (promotional items like special collections, CDs, special editions on cars and motorcycles, etc.). Her husband helps her when he doesn’t have work since he works independently as a bricklayer.

Bernarda will use the loan to buy merchandise, primarily collectionables. Her dream is to have a permit soon for a place to set up the kiosk she has stored. She has already made the necessary requests and is only waiting for the final location to be assigned to her. Support from Fondo Esperanza has been very helpful for Bernarda both economically and in business training.

Independencia is one of the 34 communes that make up the city of Santiago (capital of Chile). It is located in the center-north sector and is noted for its buildings of medium height. The Chilean Indigenous Cultural Center can be found here as well as six other Chilean historical monuments.
View original language description ↓
Bernarda forma parte del banco comunal “Esperanza y Fe” perteneciente a la comuna de Independencia. En su triciclo ella sale a vender, desde hace veinte años, diarios, revistas y productos que los mismos periódicos entregan como promoción (colecciones especiales por ejemplo (Cds, ediciones especiales de autos y motos, etc.). Su esposo le ayuda cuando no tiene trabajos que hacer, ya que él trabaja de manera independiente como albañil.
Con este préstamo, Bernarda comprará mercadería, principalmente productos de colección. Su sueño tener pronto un permiso para instalar el kiosco que tiene guardado, en un lugar establecido. Ella ya hizo las gestiones y solo está esperando que le den la ubicación final.
A Bernarda le ha servido mucho el apoyo de Fondo Esperanza, tanto económico como en la orientación en los negocios.
Independencia es una de las 34 comunas que componen la ciudad de Santiago (capital de Chile), ubicada en el sector centro-norte. Se caracteriza por la presencia de edificios de mediana altura. Aquí se encuentra el Centro Cultural Indígena de Chile, entre otros 6 monumentos históricos de Chile.

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
  • 478.6
    Chile Pesos (CLP) = $1 USD