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Viviana
Viviana is a member of the “Mi Banco Mi Amigo 2” (My Bank My Friend 2) which belongs to Pudahuel Commune, city of Santiago.

She has been a merchant for the last 15 years. She works alongside her husband selling various seasonal items, especially those they can sell quickly and at low prices.

Viviana sets up her stand in a bazaar on Thursdays, Saturdays, Sundays and holidays from 8am to 3pm. Viviana comments that she’s done very well in business and that the days with the best sales are the 15th and 30th of each month; however, she does well the rest of the days too. She will use the loan to buy sweatpants and car speakers.

Thanks to the business Viviana has been able to make some of her dreams a reality like, paying off her house, paying for her Pharmacy Technician training and supporting her home’s economy. Her goal is to buy a pickup truck to transport her merchandise.

Viviana lives with her husband and two children who are 27 and 23 years of age and who both work but who help her with her business on weekends. This has led to more family togetherness.

One of her sons is married so her daughter-in-law and two grandchildren who are 7 and 6 years of age also live with her. Her motivation and dreams are to continue in business so that she can continue to carry out her projects.

Viviana is very happy and grateful to Fondo Esperanza because it’s given her the opportunity to have investment capital for her business. With respect to the relationship with the other communal bank group members, it has been very good because trust and mutual support exists among them. She also considers that it’s very important to learn new things to apply to her own business. In general, Viviana is very happy about her accomplishments.

Pudahuel is a commune in western Santiago (capital of Chile) Metropolitan District. The word comes from Mapudungun (Mapuche language) that means “place where the waters come together” or “place of puddles” because it has a varied network of streams composed of the Mapocho River and the Lampa, Carén and Las Cruces creeks which make the soil favorable for farming due to the abundant subterranean water.
View original language description ↓
Viviana forma parte del banco comunal “Mi banco Mi amigo 2” perteneciente a la comuna de Pudahuel, ciudad de Santiago.
Ella se dedica al rubro del comercio desde hace 15 años, trabaja junto a su marido y venden diferentes artículos de temporada, sobre todo aquellos que se puedan vender rápido y a bajo costo. Viviana instala su puesto en una feria persa libre los días jueves, sábados, domingos y festivos de 8ºº a 15ºº horas. Viviana comenta que le ha ido muy bien en su negocio y que las temporadas altas de venta son los días 15 y 30 de cada mes, sin embargo el resto de los días también le va bien.
Con el crédito comprará pantalón de buzos polares y parlantes de automóvil.
Gracias a su negocio Viviana ha podido concretar algunos de sus sueños como cancelar el total de su casa propia, pagar sus estudios de Técnico en químico farmacéutico y ser el sustento económico de su hogar.
Sus metas son comprar una camioneta para trasladar su mercadería.
Viviana vive junto a su esposo y sus dos hijos de 27 y 23 años de edad, ambos trabajan, pero le ayudan en su negocio los fines de semana, de ésta manera la familia se ha unido más en sus relaciones. Uno de sus hijos está casado, por lo tanto también vive junto a su nuera y sus dos nietos de 7 años y 6 meses de edad. Sus motivaciones y sueños son continuar con su negocio, para que le permita seguir concretando sus proyectos.
Viviana está muy contenta y agradecida de Fondo Esperanza ya que le ha dado la oportunidad de contar con un capital para invertir en su negocio. Respecto a la relación con las socias del grupo del banco comunal, ésta ha sido muy buena, ya que existe confianza y solidaridad entre ellas. También considera que es muy importante aprender e incorporar nuevos conocimientos a su propio negocio. En general Viviana se encuentra muy contenta por sus logros.
Pudahuel es una comuna del sector poniente de Santiago (capital de Chile), región Metropolitana. Es un vocablo del mapudungun (lengua mapuche) que se traduce como “lugar donde se juntan las aguas” o “lugar de charcos”, debido a que posee una variada red fluvial compuesta por el río Mapocho y los esteros Lampa, Carén y Las Cruces, lo que favorece sus suelos para la producción agrícola por la existencia de abundante agua subterránea.

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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 468.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Viviana to buy sweat pants and car speakers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 30, 2011
Listed
Jun 19, 2011
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2011