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Zoila
Zoila belongs to the “Ayelen” Communal Bank in the city of Temuco. She has sold lenins, perfumes, and cosmetics for 10 years now. She sells her products from a catalog. At times, customers call her to solicit products and later, Zoila delivers to their homes. Her schedule is flexible and she obtains her merchandise in the city of Temuco itself.

Zoila will save the funds she is borrowing to apply to one of her goals, which is to enter the bakery business, installing her own bakery. For this, she has priced the necessary machinery, including an industrial oven with 4 trays, and a mixer, and a kneading machine. She will partner with a family member. Zoila lives with her husband and their 2 children, aged 28 and 13. her older boy is already a professional and works with a commercial engineer.

Her dream is to continue investing in the installation of her projected bakery.

Zoila is very content and grateful for the loans and services offered through Fondo Esperanza, which has already allowed her to invest. It has been a great help to her. She comments that the training sessions have taught her how to track costs and earnings and in this way, to organize her business. With respect to the communal bank group's members, they have very good communication.

Temuco is the capital of the Araucania region. The city is located 670 kilometers south of Santiago (the capital of Chile). In its surrounding areas there are a series of hot springs and lakes (Pucon, Villarrica), and very attractive native flora and fauna, concentrated in the nearby natural parks that exist in our country.
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Zoila forma parte del Banco comunal “Ayelen” perteneciente a la ciudad de Temuco. Ella se dedica a vender lencería, perfumes y cosméticos desde hace 10 años. Su dinámica es ofrecer sus productos por catalogo, a veces sus clientes la llaman para solicitar sus productos y posteriormente Zoila los entrega a domicilio. Su horario es flexible y su mercadería la compra en la ciudad de Temuco.
El crédito lo ahorrará, ya que una de sus metas es incursionar en el rubro de amasandería e instalar una panadería. Para esto ya ha cotizado la maquinaria necesaria para el negocio como un horno industrial de cuatro bandejas, una revolvedora y una amasadora. Además se asociará con un familiar.
Zoila vive junto a su marido y sus dos hijos de 28 y 13 años de edad, su hijo mayor ya es un profesional y trabaja como ingeniero comercial.
Sus sueños son seguir invirtiendo en su proyecto en la instalación de la panadería.
Ella está muy contenta y agradecida con los créditos y servicios otorgados por Fondo Esperanza, ya que le han permitido invertir lo que ha sido un gran apoyo para ella. Comenta que las capacitaciones le han servido para registrar sus gastos e ingresos y de ésta manera organizar su negocio. Respecto al grupo del Banco comunal éste tiene muy buena comunicación.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.

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
  • 473.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Zoila to save the money towards installing a bakery.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 11, 2011
Listed
Aug 18, 2011
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2012