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Rosa
Rosa is a member of the "Unidas Siempre Unidas" (United Always United) community bank which is located in the city of Concepción. Her business is making soft furnishings such as drapes, sheets and bathroom accessories.

Rosa has been in this business for approximately 4 years. She works from home, making products to order. Her busiest seasons are Mother's Day, Christmas and the festive period around Chilean independence day. When she has products left over, her daughter takes them to sell at college. Rosa also works as a maid in private houses and takes advantage of this to sell her products. Rosa works as a maid on weekday mornings and she makes her furnishings from Monday to Sunday in the afternoons. Her customers and profits have increased considerably.

Rosa buys her supplies in the city of Concepción. She buys from fabric wholesalers whose products are cheaper and therefore more financially convenient.

Rosa will use this loan to buy supplies for her business, specifically fabric, lace, threads and fasteners.

Rosa lives with her husband and her two children aged 20 and 11. Hers is the only income the family has. Rosa's motivation to continue working in her business is to pay for her 20 year-old daughter's higher education. She is studying dentistry.

Rosa's dream is to set up a workshop in her home so that she can expand the space in which she currently works.

Rosa is very grateful for, and happy with, the loan she has been granted by Fondo Esperanza since she will be able to invest and increase her productivity. She also enjoys the meetings with her fellow community bank members since they share new experiences.

Concepción is located at the mouth of the River Bíobío, one of the biggest rivers in the country. It is in the south of Chile, in Bíobío region. This city has played an important part in our history as it was the scene of some important battles and notable settlement, especially during the Arauco War as it formed the border with Mapuche territory. The city currently has high economic and demographic growth. It is becoming considered one of the most important urban, demographic, administrative, financial and commercial centers in Chile after Santiago and Valparaíso.
View original language description ↓
Rosa forma parte del banco comunal “Unidas siempre unidas” perteneciente a la ciudad de Concepción. Ella se dedica al corte y confección de ropa de casa, vale decir; cortinas, sábanas, cortinas y accesorios para baño.
Rosa se dedica a éste oficio desde hace 4 años aproximadamente. Ella trabaja desde su casa, confeccionando productos a pedido. Las temporadas de más alta demanda son para el día de la madre, navidad y fiesta costumbrista de la independencia de Chile. Cuando le quedan productos su hija es quien los vende en su lugar de estudio, al igual que Rosa, quien además trabaja como asesora del hogar en casas particulares y también ofrece sus productos de confección. Su horario laboral como asesora es de lunes a viernes por las mañanas y en las tardes se dedica a la confección de ropa de lunes a domingo. Por tanto sus clientes y ganancias han aumentado considerablemente.
Su mercadería la compra en la ciudad de Concepción, en distribuidoras de telas las cuales los costos son menores, por lo tanto conveniente económicamente.
Con éste préstamo pretende comprar insumos para su negocio específicamente; telas, blondas, hilos y cierres.
Rosa vive junto a su marido y sus dos hijos de 20 y 11 años. Ella es el único ingreso económico de su familia. Las motivaciones de Rosa de seguir en el negocio es costear los estudios superiores de su hija de 20 años, quien estudia odontología.
El sueño de Rosa es instalar un taller en su casa, de manera de poder ampliar el espacio en el cual trabaja en la actualidad.
Rosa está muy agradecida y contenta del crédito otorgado por Fondo esperanza, ya que podrá invertir y aumentar su productividad. Además disfruta mucho de las reuniones que se realizan junto a las demás socias, ya que comparten nuevas experiencias de vida y esfuerzo.
Concepción, está asentada en la desembocadura del río Bíobío, uno de los más grandes del país, al sur de Chile, en la región del Bíobío. Ha tenido una importante función en nuestra historia, siendo sede de importantes batallas y asentamiento relevante, especialmente durante la Guerra de Arauco, por estar en la frontera con territorio mapuche. Actualmente la ciudad posee un importante desarrollo económico y demográfico, llegando a ser considerada como uno de los núcleos urbanos, demográfico, administrativo, financiero y comercial más relevantes de Chile, después de Santiago y Valparaíso.

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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 475.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Rosa to buy fabric, lace, threads and fasteners.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 11, 2011
Listed
Apr 6, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011