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Ivonne
Ivonne is part of the “Volver a Empezar” (To Begin Again) communal bank in the commune of Puente Alto. She has been a merchant for 16 years. She has a stand in a free street market and in a swap meet where she sells electrical items like audio cables, computer cables, adapters and video game accessories. She works Tuesday, Wednesday, Friday and Sunday between the two types of markets.

She will use the loan to buy electrical items to stock her business for the Christmas season. She comments that she must buy three times the usual amount of merchandise due to high demand during the festive season. One of her goals is to have a fixed commercial locale.

Ivonne lives with her husband and seven children who are 24, 20, 19, 17, 13, 12 and 7 years old. She comments that her husband also has a stand in the market where he repairs and sells mobile phone equipment.

She comments that one of her dreams on the family side is to have a house of her own and she and her husband are saving money for this. Ivonne is very happy and grateful for the support provided by Fondo Espinoza since it’s allowed her to invest in her business.

She shares experiences and activities with the other members of the communal bank. With respect to the training, she’s learned how to manage her business which has led to economic stability. She also comments that the help she gets from Fondo Esperanza isn’t only monetary but has been an integral support.

Puente Alto is a commune located in north Santiago, capital of Chile. It was founded as a small rural town at the end of the 19th century but due to its population growth it’s now one of Chile’s most populous communes with more than 600,000 inhabitants. It is the entryway to one of the Andean foothill areas in the metropolitan region known as Maipo Canyon, an area with hiking paths, bridle trails, rafting and other activities and lodging and food services.
View original language description ↓
Ivonne forma parte del Banco comunal “Volver a Empezar” perteneciente a la comuna de Puente Alto.
Ella se dedica al rubro del comercio desde hace 16 años. Tiene un local en un persa y feria libre, en donde vende artículos eléctricos, entre cables de audio, conexiones para computadores, adaptadores y accesorios para video juegos.
Ella trabaja los días martes, miércoles, viernes y domingo, entre las ferias libres y persa.
Con el crédito comprará artículos de electrónica para abastecer su negocio durante la temporada de navidad. Comenta que debe comprar el triple de mercadería que compra usualmente, debido a la demanda de artículos durante el periodo de fiestas.
Una de sus metas es tener un local comercial establecido.
Ivonne vive junto a su marido y sus siete hijos de 24,20, 19, 17, 13, 12, 7 años de edad. Comenta que su marido también tiene un puesto en la feria, en el cual repara y vende artículos para celulares.
Ella comenta que uno de sus sueños a nivel familiar son obtener su casa propia, para esto se encuentra ahorrando dinero junto a su marido.
Ivonne está muy contenta y agradecida del apoyo brindado por Fondo esperanza, ya que le ha permitido invertir en su negocio.
Además comparte experiencias y actividades con los demás integrantes del grupo del Banco comunal.
Respecto a las capacitaciones ha aprendido a mantener su negocio. Lo cual le brindado una estabilidad económica.
Comenta además que la ayuda entregada por Fondo esperanza no es solo monetaria, sino que ha sido un apoyo integral.
Puente Alto es una comuna ubicada al norte de Santiago, capital de Chile. Fue fundada como un pequeño pueblo rural a fines del siglo XIX, pero dado su crecimiento demográfico es actualmente una de las comunas con mayor población de Chile, superando los 600 mil habitantes. Es la puerta de entrada a uno de los sectores precordilleranos de la región Metropolitana, conocido como el Cajón del Maipo, sector con espacios de caminatas, cabalgatas, rafting, entre otras actividades y servicios de alojamiento y alimentación.

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
  • 514.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Ivonne to buy electronic items to stock her business for Christmas.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 25, 2011
Listed
Dec 5, 2011
Currency Exchange Loss:
Possible
Ended:
May 15, 2012