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Raquel
Raquel is a member of the Communal Bank “Fénix” (Phoenix), which is located in the city of La Cisterna. She sells vegetables from a space that she obtained by purchasing a municipal permit. Raquel has been a part of this family business for 33 years. As a result, she has many long-time customers who have been a benefit to her business. Her merchandise is usually acquired at the fair in Lo Vallendor where prices are low, especially for produce merchants. With this loan, she will buy merchandise, particularly vegetables to restock her business. Her goal is to expand her business so that she can generate more income. The goals that motivate her are to buy a vehicle for transporting her goods and to obtain her own home.

Raquel lives with her two children, ages 18 and 16. The older child works and helps bring in more household income, while the younger child is in school. Both of them help with managing her business.

Raquel is pleased with and grateful for the loans obtained through Fondo Esperanza. The funds will help her invest in her business. In addition, she appreciates the convenience of the payments and the empathy that the staff of Fondo Esperanza has demonstrated. The meetings with the other members are enjoyable and enable them to share experiences. Raquel has also found that the training seminars have been essential in helping her learn how to organize her accounting records.

La Cisterna is a community located in the south central section of Metropolitana region. It is essentially a residential and business community. At first it was a rural area with large tracts of land. As a result of population growth and the arrival of public services, the area is now 100% urban.
View original language description ↓
Raquel forma parte del banco comunal “Fénix”, perteneciente a la ciudad de La Cisterna.
Ella se dedica a vender verduras en un local, dónde paga por el permiso municipal del establecimiento. Se dedica a éste rubro desde hace 33 años, ya que es un negocio familiar que Raquel ha mantenido en el transcurso del tiempo. Por lo tanto tiene clientes muy antiguos, lo que le ha sido favorable para su negocio. Su mercadería la compra usualmente en la feria de Lo Valledor, donde los precios son a bajo costo, especialmente para comerciantes del rubro.
Con éste préstamo comprará mercadería específicamente verduras para abastecer su local.
Su sueño es ampliar su local, para que le genere mayores ganancias. Sus motivaciones son comprar un vehículo para el traslado de su mercadería y obtener su casa propia.
Raquel vive junto a sus dos hijos de 18 y 16 años de edad, el mayor de ellos trabaja lo que es un ingreso económico más para el hogar y su hijo menor estudia. Sin embargo ambos la ayudan con la atención del negocio.
Ella está muy contenta y agradecida del crédito obtenido por Fondo esperanza, ya que éste la ayudará a invertir en su negocio. Además las facilidades de pago y empatía de los encargados de la institución. Las reuniones junto a los demás socios son muy amenas y comparten gratas experiencias. Las capacitaciones han sido fundamentales para aprender a organizar la contabilidad de su negocio.
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.

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
  • 474.8
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Raquel to purchase vegetables.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 25, 2011
Listed
Apr 25, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011