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Edith
Edith is a member of the “Los Jardines” (The Gardens) Communal Bank in Villa Alemana. She has been in the field of selling flowers in an independent manner for six years. She buys the flowers at a terminal close to the Northern PanAmerican Highway in the city of Santiago.

She works on the week-ends and holidays. She says that there is the most demand during the holiday seasons. Therefore, her work has increased. It is evident that she needs to hire more personnel, preferably her nieces and nephews.

Her business has a lot of customers; the other enterprising members of the communal bank are among them. Edith also takes orders and provides home delivery, depending on the holiday. Edith also has a flower shop in a park where she sells flowers.

Her business goal is to generate more income in order to invest in a van, which will allow her to transport her merchandise when she needs to buy.

She lives with her husband and their two children, ages 16 and 2. Her motivation for continuing with the business is due to the earnings it provides. It also allows her to give her family a better quality of life.

Edith is very happy and grateful for the opportunity that Fondo Esperanze has provided. It has allowed her to become financially stable, which has produced greater security. The relationship with her communal bank group has been very nice. She has received the support of the other members during very crucial times in her life. In regards to the trainings, they have allowed her to incorporate new knowledge and to improve the management of her business.

Villa Alemana is a community located in the province of Marga Marga, in the Valparaíso region in the central part of Chile. It is known as the "city of the mills", because of the large number of country homes that need to get water by means of mills. It is also known as the "City of Eternal Youth", for its temperate and pleasant climate, which is reflected in the following saying: " because of its climate, the young people are not afraid to grow old. The old people in Villa Alemana live in eternal youth."

The name “Villa Alemana” (German Villa) is due to the fact that German immigrants were the first to buy places and establish themselves in this territory.
View original language description ↓
Edith integrante del Banco comunal “Los Jardines” perteneciente a la localidad de Villa Alemana. Ella se dedica al rubro del comercio vendiendo flores desde hace seis años de manera independiente.
Las flores las compra en un terminal, cerca de la panamericana norte, ciudad de Santiago. Su horario de trabajo son los fines de semana y festivos. Comenta que las temporadas de más alta demanda son para las festividades, por lo que su trabajo se acrecienta y se ve con la necesidad de contratar más personal. Preferentemente sus sobrinos.
Su negocio cuenta con una gran cantidad de clientes, entre las cuales se encuentran las demás emprendedoras del Banco comunal. Edith también cuenta con el servicio de pedidos y entrega a domicilio, dependiendo la festividad.
Edith también cuenta con una florería en un parque, en el cual ofrece y vende sus flores.
Con el crédito comprará flores, para abastecer su negocio.
Sus metas en su negocio son generar mayores ganancias para invertir en una camioneta, que le permita trasladar su mercadería cuando necesite comprar.
Ella vive junto a su esposo y sus dos hijos de 16 y 2 años de edad. Sus motivaciones de continuar con el negocio se deben a las ganancias que le brinda, ya que además le permite otorgarle a su familia una mejor calidad de vida.
Edith está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido estabilizarse económicamente, lo que le ha generado mayor seguridad. La relación con el grupo del Banco Comunal ha sido muy grata, ya que ha recibido el apoyo de las demás socias en momentos cruciales de su vida. Respecto a las capacitaciones, éstas le han permitido incorporar nuevos aprendizajes y a mejorar la administración de su negocio.
Villa Alemana es una comuna ubicada en la provincia de Marga Marga, región de Valparaíso, zona central de Chile. Es conocida como la "ciudad de los molinos", por la gran cantidad de casas quinta que necesitaban sacar agua a través de molinos.
También se la conoce como la “Ciudad de la Eterna Juventud”, por su clima templado, muy benigno, que la caracteriza de la siguiente manera "por su clima, la juventud no teme a la vejez. La vejez en Villa Alemana vive en eterna juventud".
El nombre “Villa Alemana” se debe a que fueron inmigrantes alemanes los primeros en comprar sitios e instalarse en este territorio.

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
  • $2,587,775
    Funds lent in using Kiva
  • 500.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Edith to buy flowers to stock her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 26, 2011
Listed
Sep 26, 2011
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2012