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Angelica
Angelica is a member of the 'Villa Unida' community bank which is located in San Javier, in the city of Talca. She is a shopkeeper and has run a grocery store and off licence for 14 years. Angelica's premises are located on one side of her house. She says that her business is doing very well, despite the competition in her area.

Angelica's opening hours are from Monday to Sunday, from 10.00am to 02.00am. She buys her merchandise from suppliers who come directly to her home. She also visits wholesalers. She will use her loan to buy building materials to fix the roof of her premises. She will also buy merchandise with which to stock her business. Her business goals are to improve the infrastructure of her premises so that she can be more comfortable.

Angelica lives together with her two children and a 9-year-old grandson. Her children are finishing their university degree courses and she feels very proud of what they have managed to achieve as a result of her hard work.

Angelica is very happy and grateful for the opportunity that Fondo Esperanza have given her as it has allowed her to invest in her business. She also feels very comfortable with the meetings of her community bank as it is a very united, committed and responsible group.

San Javier is a district and city in the central area of Chile, in Maule region. It is noted for being essentially a wine-growing area. The local vineyards are in an area called 'Valle del Loncomilla' where some of the best Chilean wines come from (Viña Carolina, Viña Gillmore and others).
View original language description ↓
Angelica forma parte del Banco comunal “Villa Unida”, perteneciente a la comuna de San Javier, ubicada en la ciudad de Talca.
Ella se dedica al rubro del comercio, específicamente atiende un almacén y botillería desde hace 14 años.
Su local está ubicado en un costado de su casa. Comenta que le va muy bien en su negocio, a pesar de la competencia en el sector donde vive.
Su horario de atención es de lunes a domingo de 10ºº de la mañana hasta las 02ºº de la madrugada.
Su mercadería la compra a los proveedores que van directamente a su casa, también concurre a las distribuidoras.
Con el crédito comprará materiales de construcción, para reparar el techo de su local, además comprará mercadería para abastecer su negocio.
Las metas en su negocio son mejorar la infraestructura de su local, para tener una mayor comodidad.
Angelica vive junto a sus dos hijos y un nieto de 9 años de edad. Sus hijos están terminando sus carreras universitarias, por lo que se siente muy orgullosa del logro obtenido con gran esfuerzo.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo esperanza, ya que le ha permitido invertir en su negocio. Además se siente muy cómoda con las reuniones y grupo del Banco comunal del cual forma parte, ya que es unido, comprometido y responsable.
San Javier es una comuna y ciudad de la zona central de Chile, perteneciente a la región del Maule. Se caracteriza por ser una zona esencialmente vitivinícola. Los viñedos locales pertenecen a la zona denominada Valle del Loncomilla, de donde provienen algunos de los mejores vinos chilenos, Viña Carolina y Viña Gillmore, entre otras.

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
  • 522.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Angelica to buy building materials to repair the roof of her premises and to buy merchandise with which to stock her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 25, 2011
Listed
Nov 26, 2011
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2012