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Georgina
Georgina is a member of the Communal Bank “Ilusión y Una Esperanza” (Illusion and A Hope) which is in the city of Talca. She is a traveling merchant who sells used clothing and all types of accessories. Georgina has been in this business for five years.


She works Monday through Sunday from home but also at the open fairs. Georgina has many customers. Her merchandise is purchased in the city of Santiago and then shipped. She deposits the money and the merchandise (bundles of used clothing) is shipped to the bus terminal in the city of Talca.


With this loan she will buy accessories and toys, products that she will sell exclusively for the Christmas season. In addition, she will buy a cooler so that she can sell ice cream treats and beverages during the summer at the fair. Her goals include buying a truck so that she can transport her merchandise. She currently uses a tricycle, but sometimes she will rent a vehicle, which requires sacrifice and cost.


Georgina lives with her husband and two children, age 9 and 6. Her dreams on a personal level include establishing a store in her house, which would allow her to spend more time at home to look after her children. Another goal is to prosper her business so that she can provide a better quality of life for her family and pay for her children’s higher education.


Georgina is very grateful for the support Fondo Esperanza has provided. She says that she would not have a business without it because the assistance she received enabled her to invest in merchandise. Her Communal Bank group is very close and responsible. In addition, they participate in activities together. With regard to the training, Georgina attends all of the classes and has learned accounting, especially the distribution of her expenses and income.


Talca is in the region of Maule and is located in the central part of the country. It is the administrative, economic, and cultural center of the region and is one of the most important cities in the Chilean Central Valley. One curious reference to Talca that is used in Chile is the phrase, “Talca, Paris, and London”. Some say that the phrase was originally attributed to an Englishman who said, “Talca feels like London” because of the abundant fog that frequently covers the city during winter, just like in the United Kingdom.

View original language description ↓
Georgina forma parte del Banco comunal “Ilusión y una Esperanza” perteneciente a la ciudad de Talca.
Ella se dedica al rubro del comercio ambulante, vende ropa usada y accesorios de todo tipo, se dedica a esto desde hace 5 años.
Trabaja de lunes a domingo desde su casa y también en ferias libres. Ella cuenta con mucha clientela
Su mercadería la compra en la ciudad de Santiago por encomienda, ya que ella deposita el dinero y le envían su mercadería (fardos de ropa usada) al terminal de buses en la ciudad de Talca.
Con el crédito comprará accesorios y juguetes, productos que venderá exclusivamente para la temporada de navidad, además comprará una congeladora para vender helados y bebidas durante la temporada de verano en la feria.
Sus metas son comprarse una camioneta que le permita trasladar su mercadería, ya que por ahora utiliza un triciclo y a veces paga fletes (alquiler de un medio de transporte), lo que es sacrificado y costoso.
Georgina vive junto a su marido y sus dos hijos de 9 y 6 años de edad. Sus sueños a nivel personal son instalar un local establecido en su casa, ya que esto le permitiría pasar mayor tiempo en su casa, para cuidar a sus hijos. Otro de sus sueños es prosperar en su negocio, para brindarle una mejor calidad de vida a su familia y costear los estudios superiores de sus hijos.
Ella está muy agradecida de la ayuda brindada por Fondo esperanza, ya que comenta que sin esta no contaría con su negocio, le ha servido mucho para invertir en mercadería.
El grupo del banco comunal del cual forma parte es muy unido y responsable, además realizan actividades juntos.
Respecto a las capacitaciones, ha podido asistir a todas, de las cuales ha aprendido sobre contabilidad, especialmente para distribuir sus gastos e ingresos.
Talca pertenece a la región del Maule, ubicada en la zona centro del país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante del Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital del Reino Unido.


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
  • $2,552,775
    Funds lent in using Kiva
  • 514.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Georgina to buy accessories and toys to sell for the Christmas season and a cooler for selling ice cream treats and beverages at the fairs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 25, 2011
Listed
Dec 7, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2012