Patricio is a member of the "Brisas Marinas" (Sea Breezes) community bank which is located in Calbuco, in the city of Puerto Montt.
Patricio is a salesman who sells new clothes for boys and girls. The peak season for his business is from the month of April through the month of September. He buys his merchandise in the city of Santiago once a month. He sells his products through the Internet, through well-known social pages. He has approximately 20 to 30 regular customers who request and buy his products from their own home.
Patricio will use his loan to buy children's long sleeve t-shirts and hoodies. His goals are to set up his business in established premises, to become well known in his field and to be able to provide his customers with a better range of products.
Patricio lives together with his wife, his 6 year-old daughter, and his in-laws. His motivation to keep working in his business is the desire to provide his family with a more comfortable quality of life.
Patricio is very grateful for the support he has been offered by Fondo Esperanza. He comments that the community bank he belongs to is very united and supportive.
Calbuco is a town which is located in the south of Chile, in the Los Lagos region. The etymological origin of the name comes from Mapudungan (the langugage of the Mapuche). It means 'blue waters'. This is an archipelago which is made up of 12 islands. Its economy is mainly based on extracting products from the sea. There are currently many canning factories and also salmon, oyster and mussel farms.
Patricio forma parte del banco comunal “Brisas Marinas”, perteneciente a la comuna de Calbuco, ciudad de Puerto Montt.
El se dedica al rubro del comercio, vendiendo ropa nueva exclusivamente para niños y niñas. La temporada de más alta demanda en su negocio es durante el mes de abril hasta el mes de septiembre. Su mercadería la compra en la ciudad de Santiago una vez al mes. Patricio ofrece sus productos por internet, a través de las conocidas páginas sociales. Sus clientes frecuentes son aproximadamente 20 a 30 personas, ellos solicitan y compran sus productos en su mismo domicilio.
Con el crédito comprará poleras manga larga y polerones para niños.
Su meta es instalar su negocio en un local establecido, además de ser reconocido en el rubro y poder brindarles a sus clientes una mayor variedad de productos.
Patricio vive junto a su esposa, su hija de 6 años de edad y sus suegros.
Las motivaciones de continuar con su negocio son para brindarle a su familia una calidad de vida más confortable.
Patricio está muy agradecido del apoyo brindado por Fondo Esperanza, además comenta que el grupo del banco comunal al cual pertenece es muy unido y solidario.
Calbuco, es una comuna ubicada al sur de Chile, en la región de Los Lagos. Su origen etimológico es del mapudungun (lengua mapuche) y significa "aguas azules". Es un archipiélago conformado por 12 islas. Su economía está basada fundamentalmente en la extracción de los productos del mar. En la actualidad existen numerosas fábricas de conservas, centros de cultivos de salmones, ostras, choros etc.
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.