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Teresa
Teresa is a member of the Ebenezer Communal Bank, which is in the community of Puente Alto in the city of Santiago. She is a retail merchant, selling bazaar goods and packaged products at different open fairs. Teresa has been in this trade for 12 years. Her merchandise is purchased from different distributors. The main products she sells are undergarments. With this loan, she will buy socks, scarves, handkerchiefs, towels, and undergarments. The goal for her business is to produce clothes that she can sell later, but she needs more capital to build a workshop in her house.


Teresa lives with her husband, her two children, a son-in-law, and a grandson. Her dreams are to provide her family with financial stability and giver her younger son the opportunity to study at the university so that he can become a professional. She is motivated to move forward with her business so that she can make all of her dreams a reality.


Teresa is very pleased and appreciative of the support provided by Fondo Esperanza since it has allowed her to invest in her business and generate more income. She participates in the Communal Bank meetings and feels at ease with the other members with whom she has developed unity and trust. As a result, she has been able to have new experiences. With respect to the training seminars that are provided at the meetings, Teresa says that she learns something new each day and is able to apply this knowledge to her own business.


Puente Alto is a community located to the north of Santiago, the capital of Chile. It was founded as a small rural town at the end of the 19th century. Given the growing demographics, it is now one of the largest cities in Chile with over 600,000 inhabitants. It is the gateway to one of the foothill areas of the Metropolitana region known as Cajón del Maipo. This area has space for hiking, horseback riding, rafting, and other activities, as well as lodging and dining services.

View original language description ↓
Teresa forma parte del banco comunal “Eben Ezer” perteneciente a la comuna de Puente Alto, ciudad de Santiago.
Ella se dedica al rubro del comercio, vendiendo artículos de bazar y paquetería en diferentes ferias libres. Teresa se dedica a éste rubro desde hace 12 años, su mercadería la compra en diferentes distribuidoras. Específicamente ropa interior.
Con el crédito comprará calcetas, bufandas, pañuelos, toallas y ropa interior.
Sus metas en su negocio son confeccionar ropa y posteriormente venderla, para esto necesita de un mayor capital para construir un taller en su casa.
Teresa vive junto a su esposo, sus dos hijos, su yerno y su nieto. Sus sueños son brindarle a su familia una estabilidad socioeconómica y poder brindarle a su hijo menor la oportunidad de estudiar en la universidad, para que sea un profesional.
Sus motivaciones son seguir adelante con su negocio, para concretar todos sus proyectos.
Teresa se encuentra muy contenta y agradecida del apoyo brindado por Fondo Esperanza, ya que le ha permitido invertir en su negocio y esto le ha permitido generar mayores ganancias. Ella participa de las reuniones del grupo del Banco comunal y se siente a gusto ya que la relación con los demás socios ha facilitado la solidaridad y confianza, además ha conocido nuevas experiencias. Respecto a las capacitaciones realizadas en las reuniones, Teresa comenta que cada día se aprende algo nuevo y ha podido aplicar estos nuevos aprendizajes en su propio negocio.
Puente Alto es una comuna ubicada al norte de Santiago, capital de Chile. Fue fundada como un pequeño pueblo rural a fines del siglo XIX, pero dado su crecimiento demográfico es actualmente una de las comunas con mayor población de Chile, superando los 600 mil habitantes. Es la puerta de entrada a uno de los sectores precordilleranos de la región Metropolitana, conocido como el Cajón del Maipo, sector con espacios de caminatas, cabalgatas, rafting, entre otras actividades y servicios de alojamiento y alimentación.

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
  • $2,552,775
    Funds lent in using Kiva
  • 468.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Teresa to purchase socks, scarves, handkerchiefs, towels, and undergarments.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 27, 2011
Listed
Jun 23, 2011
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2011