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María
María is a member of the communal bank "Oportunidad" which belongs to the municipality of Padre de las Casas, in the city of Temuco. She sells fruit, groceries, drinks in leased premises. She has been running her business for 7 years and works Monday through Saturday. She buys her merchandise from wholesale supermarkets, distibutors and suppliers and her fruit in the street market. With the loan she will buy seasonal fruit such as watermelons, kiwis, mandarin oranges, apples, grapes and melons. Her business goals are to establish the store in her own house as the rent she pays limits her ability to invest in more merchandise and new equipment. She says that the seasons with the highest demand are spring and summer as she sells seasonal fruit. Her husband and child help her serve customers for which she feels supported. In addition she will begin a relaxation exercise class to destress from her household activities.

María lives with her husband and 3 children of 22, 20 and 18 years of age, who study and work. Her dream is to buy her own house and to this end she has already applied for a housing subsidy as she is a member of a housing committee. She is very happy and grateful for the opportunity the Fondo has extended her, giving her hope to invest in her business. She feels also very comfortable with her group as they are very unitied and responsible. With regard to the training, it has served to improve her business administration and accounting as she has implemented new strategies.
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Padre Las Casas is a municipality in the south of Chile near the city of Temuco in the region of Araucania. It was given this name in honour of the Spanish priest Bartolomé de Las Casas who was a defender of the indigenous people during the conquest of America. The community has a large Mapuche population. Its economy is based on the agricultural industry and commercial services.
View original language description ↓
María integrante del Banco comunal “Oportunidad” perteneciente a la comuna de Padre de las Casas, ciudad de Temuco.
Se dedica al rubro de comercio, específicamente vende frutas, abarrotes, bebidas, en un local que arrienda.
Se dedica a su negocio desde hace 7 años y trabaja de lunes a sábado.
Su mercadería la compra en supermercados mayoristas, distribuidoras, proveedores y en la feria compra las frutas.
Con el crédito comprará frutas de temporada, entre sandias, kiwis, mandarinas, manzanas, uvas y melones.
Las metas en su negocio son instalarse con un local establecido en su propia casa, ya que el gasto de arriendo la limita para invertir en más mercadería y nuevas maquinarias.
Comenta que la temporada de más alta demanda, son los meses de primavera verano, ya que vende frutas de temporada.
Su marido e hijo la ayudan en la atención de clientes en su negocio, por lo que se siente apoyada.
Además comenzará a participar en gimnasia de relajación para desestresarse de las labores domesticas.
María vive junto a su marido y sus tres hijos de 22, 20 y 18 años de edad, quienes estudian y trabajan. El sueño de ella es adquirir su casa propia, para esto ya postuló al subsidio habitacional, puesto que participa de un comité para la vivienda.
Ella 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 que comparte, ya que son muy unidos y responsables.
Respecto a las capacitaciones, estas le han servido para perfeccionarse en la administración y contabilidad de su negocio, ya que ha implementado nuevas estrategias.
Padre Las Casas es una comuna del sur de Chile, cercana a la ciudad de Temuco, región de la Araucanía. Su nombre le fue dado en honor al sacerdote español Bartolomé de Las Casas, quien fue un defensor de los indígenas durante la conquista de América. Destaca una numerosa población mapuche en esta comuna. Basa su economía en la agroindustria y servicios comerciales.

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
  • 510.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped María to buy seasonal fruit such as watermelons, kiwis, mandarin oranges, apples, grapes and melons.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 16, 2011
Listed
Nov 19, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2012