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Sonia
Sonia is a member of the "Millaray" community bank which is located in the city of Temuco. She has been running a guest house for students for 20 years. She works there from March to December. Sonia is a widow. Her partner helps her to maintain and run the guest house. Sonia's services include cleaning and providing food.

During the months of January and February, Sonia doesn't rent out her guest house because she prefers to rest and make any necessary repairs. She is supported financially by a small sum of money that she receives as her widow's pension and also from cooking and selling 'humitas' and 'pastel de choclo' (traditional dishes).

Sonia will use this loan to buy five doors to replace existing doors on the rooms in her guest house. She will also hire a master builder to repair a leak in the roof and paint part of her outdoor area. Sonia's dream is to build a second floor with more rooms to rent out. Her motivation is to financially help her three daughters and grandchildren to whom she feels very committed, even though they no longer live with her.

Sonia's previous loans from Fondo Esperanza have been very useful. It has been useful for her to be able to rely on this capital. The training sessions have also helped her to organize her expenses. She feels very good about the fact that Fondo Esperanza have placed their trust in her by giving her the loans. She also has a very good relationship with her fellow group members.

Temuco is the capital of Araucanía region. The city is located 670 kilometers to the south of Santiago (the capital of Chile). On the outskirts of the city, there are a series of lakeside resorts (Pucón, Villarrica) and very colorful native flora and fauna can be found in nearby nature reserves. We feel it is worth pointing out that this region is home to 50% of the Mapuches (indigenous people) in our country.
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Sonia forma parte del banco comunal “Millaray”, perteneciente a la ciudad de Temuco. Ella tiene una pensión para estudiantes, hace 20 años, la cual atiende solo de marzo a diciembre. Después que quedó viuda, su pareja le ayuda en la mantención y administración de la pensión. El servicio que entrega Sonia a sus clientes incluye aseo y comida.
Durante los meses de enero y febrero, no arrienda la pensión porque prefiere descansar y hacer las reparaciones que sean necesarias. Se apoya económicamente por una pequeña suma de dinero que recibe como pensión de viudez por su difunto marido y cocina para vender humitas y pastel de choclo.
Con este préstamo Sonia comprará 5 puertas para cambiar las que tienen las habitaciones de su pensión y también contratará a un maestro para que repare una gotera del techo y pinte una parte de su terraza.
El sueño de Sonia es construir un 2º piso con más habitaciones para arrendar.
Su motivación es ayudar económicamente a sus 3 hijas y nietos, con quienes, aunque no viven con ella, Sonia se siente comprometida.
A Sonia le han servido mucho los préstamos que recibe de Fondo Esperanza, ya que cuenta con ese capital de forma segura. Las capacitaciones le han servido para organizar sus gastos. También se siente muy bien por la confianza que se le mostró al concederle los préstamos y además tiene una muy buena relación con sus compañeros de grupo.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.

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
  • 491.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Sonia to buy five doors and pay for repairs.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 19, 2011
Listed
Jan 19, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2011