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Juana
Juana is a member of the communal bank "Nueva La Greda", in the town of Penco in the city of Concepción.

She has been in the dress-making business for 25 years, and works out of her home in an area in the dining room set up to attend to customers for fittings and taking measurements. Her works hours are Monday through Friday, from 7:00 a.m. to 10:00 p.m. She takes orders especially during the school season, and for patron saint festivities, marriage ceremonies and graduations. Juana takes care of buying the fabric because of her vast experience and knowledge regarding fabric quality and places to shop. She also gives easy payment terms and is constantly renewing her designs according to the latest fashions.

The loan will be used to buy fabric, leather and borders to begin making curtains. Her goal is to expand her house and build a sewing shop somewhere inside it that does not interfere with everyday family life. She also wants to buy an industrial sewing machine for her shop.

Juana lives with her husband and has two daughters, ages 21 and 13, and her eldest daughter is studying to be a nurse technician and surgeon's assistant. Juana's goal is to keep working in the same field and be able to pay for her daughters' higher education. She is pleased and grateful for the loan through Fondo Esperanza since it allows her to invest in her business and generate more income. Regarding the meetings held at the communal bank, Juana finds them amenable and has been able to learn about keeping expense records, how to treat customers and use of social networks.

Penco is a community close to the cty of Concepción, in southern Chile, in the region of Biobío. The name comes from the Mapudungun and means "peumo water". It has one of the largest populations in the region, and industrial centers and a port.
View original language description ↓
Juana forma parte del Banco comunal “Nueva La Greda” perteneciente a la localidad de Penco, ciudad de Concepción.
Ella se dedica al rubro de corte y confección de ropa, desde hace 25 años. Juana trabaja desde su casa, para lo cual utiliza el espacio de su comedor, como taller para atender a sus clientas en la prueba de ropa y toma de medidas. Trabaja de lunes a viernes en un horario de 7ºº a 22ºº horas. Sus clientes requieren sus servicios a pedido, especialmente para la temporada de colegio, temporada de Fiestas patrias, matrimonios y fiestas de graduación. Juana es quien se encarga de comprar la tela para posteriormente confeccionar, ya que tiene una vasta experiencia y conocimiento en la calidad de telas y comercios donde comprar. Junto con esto les brinda facilidades de pago a sus clientes. Ella siempre está innovando en sus confecciones, de acuerdo a la moda de temporada.
El crédito lo utilizará para comprar telas, napas y cenefas para incursionar en el cortinaje, confección de cortinas.
Sus metas son ampliar su casa, para habilitar su taller de confección en un espacio de su casa que no interfiera con su vida cotidiana y familiar. Además anhela comprar otra máquina industrial para su taller de confección.
Juana vive junto a su esposo y sus dos hijas de 21 y 13 años de edad, su hija mayor estudia técnico en enfermería y arsenalería. Sus sueños a nivel personal son continuar trabajando en el mismo rubro de corte y confección, para costear los estudios superiores de sus hijas.
Juana está muy contenta y agradecida del crédito otorgado por Fondo Esperanza, ya que es una oportunidad para invertir en su negocio, lo cual le permitirá generar mayores ganancias. Respecto a las reuniones que se realizan junto al grupo del Banco comunal, estas son muy amenas y Juana ha aprendido a registrar sus gastos, el trato a sus clientes y la búsqueda de redes sociales.
Penco es una comuna cercana a la ciudad de Concepción, al sur de Chile, región del Biobío. Su nombre viene del mapudungun y significa "agua de peumo". Es una de las comunas con mayor cantidad de habitantes en la región. Cuenta con centros industriales y un puerto.

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
  • $2,587,775
    Funds lent in using Kiva
  • 472.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Juana to buy fabric, leather and borders to make curtains.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 25, 2011
Listed
May 27, 2011
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2011