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Juana María
Juana Maria is a member of the Communal Bank “Trabajando Juntos” ('Working Together"), which is located in the community of Estación Central, in the city of Santiago.

She has been working making bakery items, especially kneaded bread and empanadas, for the last year. She sells her products to a grocery store, and to specific customers very nearby. She comments that her business is going very well for her, and she has a large number of customers.

Juana Maria works from her home, where she has an industrial oven and her home infrastructure, as she has recently expanded her kitchen. Her schedule is working afternoons every day of the week. She buys her merchandise at a distributor, where she buys sacks of flour and butter.

With this loan, she will invest in her business and buy ingredients for her bakery.

Her goals are to have an established place for her business. She will be starting the work on this in August, as she wants to locate in on the patio of her home.

Juana Maria lives with her husband, her mother, and uncle, and her two children aged 16 and 14. Her dreams on a personal level are to provide her family with a better quality of life. Right now, she feels very proud of her achievements, as this business has allowed her to be an economic contributor to her household.

Juana Maria is grateful for the loan and the services offered by Fondo Esperanza, as every time she learns things for her business. She enjoys the meetings with the Communal Bank group, as the other members are committed to their businesses, and to the same group. In respect to the training that takes place at the meetings, she comments that it has been useful for her in organizing her business.

Estación Central is a community located in the downtown are of Santiago (the capital of Chile), which takes its name from the Estación Central de Ferrocarriles (Central Railway Station), which dates back to 1887 and was declared a National Monument in 1983. At its beginning, this station, together with the Mapocho station, were the entryway to the capital for the Valparaíso - Santiago route, and also routes from the south of the country.
View original language description ↓
Juana Maria integrante del Banco comunal “Trabajando Juntos” perteneciente a la comuna de Estación Central, ciudad de Santiago.
Ella se dedica a la preparación de productos de amasandería específicamente panes amasados y empanadas, desde hace un año. Sus productos los vende en un almacén y sus clientes particulares más cercanos. Comenta que le va muy bien en su negocio y cuenta con un gran número de clientes.
Juana Maria trabaja desde su casa, ahí cuenta con un horno industrial y la infraestructura de su casa, ya que hace poco tiempo amplió su cocina. Su horario es durante las tardes todos los días de la semana.
Su mercadería la compra en una distribuidora, ahí compra sacos de harina y manteca.
Con el crédito invertirá en su negocio y comprará insumos para su amasandería.
Sus metas son tener un local establecido, para esto comenzará a trabajar con las obras a partir del mes de agosto, ya que lo quiere ubicar en el patio de su casa. Juana Maria vive junto a su esposo, su madre, un tío y sus dos hijos de 16 y 14 años de edad.
Sus sueños a nivel personal son entregarle a su familia una mejor calidad de vida. Actualmente ella se siente muy orgullosa de sus logros, ya que éste negocio le ha permitido ser un aporte económico en su hogar.
Juana Maria está agradecida del crédito y servicios brindados por Fondo Esperanza, ya que cada vez emprende con su negocio. Disfruta de las reuniones junto al grupo del Banco comunal, ya que los demás integrantes son comprometidos con sus negocios y el mismo grupo.
Respecto a las capacitaciones realizadas en las reuniones, ella comenta que le han servido para organizar su negocio.
Estación Central es una comuna emplazada en el área céntrica de Santiago (capital de Chile), que debe su nombre a la Estación Central de Ferrocarriles, que data del año 1887, declarada Monumento Nacional en 1983. En sus inicios esta estación, junto con la estación Mapocho, fueron la entrada a la capital en el tramo Valparaíso - Santiago y también desde la zona sur del 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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,552,775
    Funds lent in using Kiva
  • 466.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Juana María to buy ingredients for her bakery.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 12, 2011
Listed
Aug 24, 2011
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2012