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Leonor, a member of the communal bank "Fuerza de Mujer," lives in the city of Temuco. She works in retail trade, specifically, selling vegetables, eggs, condiments, coal, and other items in a stall located in a free market. There she works each day of the week from 10am until 7pm.

She has had this business for 3 years, and she comments that it is going very well and that her customer base is expanding.

Leonor buys her merchandise every 15 days from different businesses, where the prices are most appealing. With this loan she will buy herbs, condiments and potatoes to restock her store.

Her goals are to set up a place in her home for her business and to stock it with merchandise. In this way, she would be more comfortable. Leonor lives with her husband and one of her dreams at the personal level is to buy a van that would allow her to transport her merchandise, since now she has to pay freight charges (to rent some means of transport to move her merchandise) every day of the week.

Leonor is very happy and grateful for this opportunity that Fondo Esperanza is providing her to invest in her business. In addition, she comments that she enjoys the meetings of her communal bank, since the members of her group are very united and responsible. She says it's definitely a great group.

Through the training provided in the meetings, Leonor has learned how to distribute her earnings and expenses in a better way, which has allowed her to keep her business better organized. Temuco is the capital of the La Araucanía region. The city is located 670 kilometers to the south of Santiago (the capital of Chile.) In the surrounding areas, there are a number of lake resorts (Pucón, Villarrica), and very eye-catching flora and fauna concentrated in nearby natural parks. It’s worth pointing out that 50% of the Mapuche, indigenous peoples of our country, live in this region.
View original language description ↓
Leonor integrante del Banco comunal “Fuerza de Mujer” perteneciente a la ciudad de Temuco. Se dedica al rubro del comercio, específicamente a la venta de verduras, huevos, condimentos, carbón, entre otros, en un puesto que tiene ubicado en una feria libre. Ahí trabaja todos los días de la semana en un horario de 10ºº a 19ºº horas.
Se dedica a éste negocio desde hace tres años, comenta que le ha ido muy bien y que su clientela va en expansión.
Su mercadería la compra cada 15 días, en diferentes comercios, donde los precios sean convenientes económicamente.
Con el crédito comprará yerbas, condimentos y papas, para abastecer su negocio.
Las metas para su negocio son habilitar un local en su casa y abastecerlo con mercadería, de esta manera sería más cómodo para ella.
Leonor vive junto a su marido y uno de sus sueños a nivel personal son comprar una camioneta que le permita trasladar su mercadería, ya que actualmente debe pagar fletes (alquiler de un medio de transporte para trasladar mercadería) todos los días de la semana.
Ella se encuentra muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza para invertir en su negocio, además comenta que disfruta de las reuniones del grupo del Banco comunal, ya que los integrantes son muy unidos, responsables, en definitiva dice que es un excelente grupo.
Respecto a las capacitaciones impartidas en las reuniones, ha aprendido a distribuir sus ingresos y gastos de mejor manera, lo que le ha permitido mantener su negocio organizado.
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
  • $2,587,775
    Funds lent in using Kiva
  • 508.8
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Leonor to buy herbs, condiments and potatoes to stock up her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 28, 2011
Nov 18, 2011
Currency Exchange Loss:
May 15, 2012