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Zoila is a member of the “La Santiago” communal bank belonging to the Estación Central commune in the city of Santiago. She has designed and made clothing for the last 30 years. She worked as an employee in this line of work for many years but now works independently at home because she has to care for her mother who is ill. Her work schedule, therefore, is flexible.

The time of the year when demand is highest is during the festivals, especially now that the national holidays are approaching. Zoila also does clothing repairs and has quite a few customers. She works from home and in a shop where she sews. She has an overlock machine and a straight stitch sewing machine there. She buys her supplies in two places in downtown Santiago where prices are more affordable. She will use the loan to buy replacement parts for one of her machines, fabric and other materials.

Her business goals are to have a shop with two semi-industrial sewing machines that will make it possible for her to do her work more quickly and increase the number of her customers. Zoila lives with her mother and one of her dreams is to provide her mother with all the comforts. Her motivation to stay in business is that she enjoys the work she does very much.

Zoila is very happy and grateful for the loans and services she’s gotten from Fondo Esperanza that have allowed her to continue forward with her projects. She comments that she feels very comfortable in the communal bank’s group and that the training she’s gotten has helped her organize her business.

Estación Central is a commune in the central part of Santiago (capital of Chile) that owes its name to the Central Railroad Station that dates back to 1887 and was declared a National Monument in 1983. At its beginning, this station and Mapocho Station were the city’s gateways along the Valparaíso-Santiago route as well as from the south of the country.
View original language description ↓
Zoila integrante del Banco comunal “La Santiago”, perteneciente a la comuna de Estación Central, ciudad de Santiago. Se dedica al corte y confección de ropa, desde hace 30 años. Se dedicó a éste rubro por muchos años de manera dependiente y en la actualidad lo realiza de manera independiente en su casa, debido a que tiene bajo su cuidado a su madre quien se encuentra enferma, por lo que su horario es flexible. Las temporadas de más alta demanda del año son las festividades, sobre todo ahora que se acerca la fecha de Fiestas Patrias. Zoila también realiza arreglos de ropas y tiene bastantes clientes. Ella trabaja desde su casa y en una galería en la cual se dedica a coser, ahí cuenta con una máquina de coser overlock y una máquina de coser con puntada recta.
Sus materiales los compra en dos sectores en el centro de la ciudad de Santiago, ya que los precios son más convenientes.
Con el crédito comprará repuestos para una de sus máquinas, telas y más materiales.
Sus metas en su negocio son tener un taller que cuente con dos maquinarias semi industriales, que le permitiría agilizar su trabajo y de ésta manera acrecentar el número de clientes.
Zoila vive junto a su madre, uno de sus sueños es brindarle todas las comodidades a su madre.
Las motivaciones de continuar con el negocio, se deben a que disfruta mucho lo que realiza.
Zoila se encuentra muy contenta y agradecida de los créditos y servicios brindados por Fondo Esperanza, ya que le han permitido seguir adelante con sus proyectos. Comenta que se siente muy cómoda con el grupo del Banco comunal y que las capacitaciones 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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 469.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Zoila to buy a replacement part for one of her machines, fabric and other materials.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 5, 2011
Aug 26, 2011
Currency Exchange Loss:
Dec 15, 2011