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Cristina
Cristina is part of the “Fuerza de Mujer” communal bank, in the city of Temuco. She has been a merchant for 5 years. She started selling lingerie and at present she sells new clothes for adults and children, as well as accessories.

She buys her merchandise in the city of Santiago in the Meiggs neighborhood wholesale. She remarks that she has regular customers and is always gaining new ones. With the loan, she will buy clothes to stock her business. Her goals for the business are to have an established locale to offer and sell her clothes.

Cristina lives with her husband and three children, aged 11, 4, and 2. Her dreams at a personal level are to prosper in her business, so it can bring her earnings for her family to have a better quality of life, along with a good educational level. Another one of her dreams is to obtain her own house and to do this she is saving to ask for a housing subsidy.

Cristina is very happy and grateful for the opportunity the Fondo Esperanza has offered her to invest in her business. She also is very comfortable with the communal bank group she belongs to, since they are very close and responsible.

In regards to the trainings offered in the communal bank meetings, these have allowed her to distribute her earnings in a better way.

Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago (the capital of Chile). Nearby are the lake beaches (Pucón, Villarrica) and a native flora and fauna in nearby nature parks. It is worth noting that 50% of the Mapuches live in this region, an indigenous people that lives in our country.
View original language description ↓
Cristina forma parte del Banco comunal “Fuerza de Mujer” perteneciente a la ciudad de Temuco.
Ella se dedica al rubro del comercio desde hace 5 años, comenzó vendiendo lencería, en la actualidad se dedica a vender ropa nueva para adultos y niños además de accesorios.
Su mercadería la compra en la ciudad de Santiago en el barrio Meiggs y patronato al por mayor.
Comenta que mantiene clientela fija y también nueva que se va sumando.
Con el crédito comprará ropa para abastecer su negocio.
Sus metas en el negocio son tener un local establecido para ofrecer y vender su ropa.
Cristina vive junto a su marido y sus tres hijos de 11, 4 y 2 años de edad. Sus sueños a nivel personal son prosperar en su negocio, que le pueda brindar utilidades para brindarle a su familia una mejor calidad de vida, junto con esto un buen nivel educacional.
Otro de sus sueños es obtener su casa propia para esto se encuentra ahorrando para postular al subsidio habitacional.
Cristina está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza para invertir en su negocio, además se siente muy cómoda con el grupo del Banco comunal del cual forma parte, ya que son muy unidos y responsables.
En cuanto a las capacitaciones impartidas en las reuniones del Banco comunal, estas le han permitido distribuir de mejor manera sus ganancias.
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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 497.8
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Cristina to buy clothes to stock her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 28, 2011
Listed
Nov 15, 2011
Currency Exchange Loss:
Possible
Ended:
May 15, 2012