Bernarda is a member of the “Compartiendo Esfuerzo” (Sharing Effort) community bank which is located in the town of La Cisterna. Her business is selling empanadas filled with 'pino' (fried ground beef and onion), poultry and 'napolitana' (spicy pork sausage and cheese). She has been in this business for two and a half years. She works together with her husband who sells their products in busy places, specifically in an open air street market. They work from Monday to Saturday. During the 'fiesta costumbrista' festivities in Chile which are celebrated on September 18th, her customers make wholesale orders.
Bernarda will use this loan to buy a stove for frying food. Her dream is to build a sales location in her yard where she can sell her empanadas on weekends. She would also like to expand her business and own an empanada factory where she could offer jobs to a lot of people. Bernada lives with her husband and her three children aged 24, 23 and 8. Her motivation for continuing in this business is her desire to own her own home and make more profits.
Bernada is very grateful to Fondo Esperanza because her loan will allow her to invest in her business. The training sessions she has attended have helped her to learn how to distribute her income. She is also happy because she has met new people.
La Cisterna is a town which is located in the central-south sector of the Metropolitana region of Chile. It is an essentially residential and commercial town. Originally, it was a rural area made up of large plots of land. However, owing to the growth in its population and the arrival of services, it has become a 100% urban area.
Bernarda forma parte del Banco comunal “Compartiendo Esfuerzo”, perteneciente a la ciudad de La Cisterna.
Ella se dedica a la venta de empanadas de pino, ave y napolitana, desde hace 2 años y 6 meses. Trabaja junto a su esposo quien las vende en lugares concurridos de gente, específicamente en una feria libre. Ellos trabajan de lunes a sábado. Y en temporada de la fiesta costumbrista de Chile, que es el 18 de septiembre, su clientela realiza pedidos al por mayor.
Con el préstamo comprará un fogón (cocinilla para freír)
Su sueño es construir un local en el patio de su casa, para vender al mesón sus empanadas, durante los fines de semana, además le gustaría expandirse y tener una fábrica de empanadas. Donde además pudiera ofrecerle trabajo a mucha gente.
Bernarda vive junto a su esposo y sus 3 hijos de 24, 23 y 8 años.
Su motivación de continuar con éste negocio es obtener su casa propia y generar más ganancias.
Bernarda está muy agradecida de Fondo Esperanza, ya que el crédito le permitirá invertir en su negocio. Y las capacitaciones le han servido para aprender a como distribuir sus ingresos. Además está contenta porque ha conocido gente nueva.
La Cisterna es una comuna ubicada en el sector centro-sur de la región Metropolitana. Es una comuna esencialmente residencial y comercial. En sus inicios era un sector rural, de grandes parcelas, sin embargo debido al crecimiento de su población y la llegada de servicios pasó a ser un sector 100% urbano.
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.