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Adriana
Adriana is a member of the “Corazón Esperanza” ["Heart of Hope"] communal bank, which is located in the community of La Cisterna.

She works in retail and also providing services, as she has a store where she sells different types of paper goods and toys and also has a cyber-cafe. She has been working in this business for the last year and a half.

Her sales-premises are located in her home, where she has set aside some interior space. She works from Monday through Sunday, on an ongoing schedule. She comments that it's going very well for her as she has many customers and there isn't any competition in the area.

She will use the loan to purchase toys at wholesale and Christmas decorations, especially for the holiday season. She will also invest part of the loan in a permit which will allow her to set up a stall at a Christmas Fair.

Her goals for her business are to prosper, to stock up her business better, and also to add on clothing sales. She wants to purchase more computers for her cyber-cafe, as for now she only has three PCs.

Adriana lives with her husband and three children aged 38, 24 and 16. Her elder son helps her with tending and managing the business, as he has an ailment that prevents him from working outside of the home.

One of Adriana's dreams is to purchase a vehicle for transporting her merchandise, as she currently must pay for freight (renting transportation). This is a high cost to cover on her income.

She is very happy and grateful for the support being provided by Fondo Esperanza, as it has allowed her to invest in her business. She also enjoys participating in the meetings held at the communal bank, where she has very good relationships with the other members.

In regard to the trainings, she comments that she has learned to organize her business's accounting in a better manner.

La Cisterna is a community located in the south-central sector of the Metropolitana region. It is essentially a residential and commercial community. Originally it was a rural area with large plots of land, however due to the population growth and the advent of services, it has become an area that is 100% urban.
View original language description ↓
Adriana forma parte del Banco comunal “Corazón Esperanza” perteneciente a la comuna de La Cisterna.
Ella se dedica al rubro del comercio, además de la entrega de servicios, ya que tiene un Bazar, en el cual vende diferentes artículos de paquetería, juguetería y también un ciber.
Trabaja en este negocio desde hace un año y medio.
Su local está ubicado en su casa, ahí habilitó un espacio al interior. Ella trabaja de lunes a domingo en horario continuado. Comenta que le va muy bien ya que tiene mucha clientela y no existe competencia en el sector.
Con el crédito comprará juguetes al por mayor y adornos de navidad, especialmente para la temporada de fiestas. Además invirtió parte del préstamo en un permiso que le permitirá instalarse con un puesto en una feria navideña.
Sus metas en su negocio son prosperar, para surtir mejor su negocio, además agregar la venta de ropa y comprar más computadores para el ciber, ya que por ahora solo cuenta con 3 PC.
Adriana vive junto a su marido y sus tres hijos de 38, 24 y 16 años de edad. Su hijo mayor es quien le ayuda en la atención y administración del negocio, ya que padece una enfermedad que lo inhabilita trabajar lejos de su hogar.
Uno de los sueños de Adriana es comprar un vehículo para trasladar su mercadería, ya que actualmente debe pagar fletes (alquilar medio de transporte), costo alto para sus ingresos.
Ella está muy contenta y agradecida del apoyo brindado por Fondo esperanza, ya que le ha permitido invertir en su negocio. Además disfruta y participa de las reuniones impartidas en el Banco comunal, existe una muy buena relación con los demás integrantes.
Respecto a las capacitaciones, comenta que ha aprendido a organizar de mejor manera la contabilidad de su negocio.
La Cisterna es una comuna ubicada en el sector centro-sur de la región Metropolitana. Es una comuna esencialmente residencial y comercial. En sus inicios era un sector rural, de grandes parcelas, sin embargo debido al crecimiento de su población y la llegada de servicios pasó a ser un sector 100% urbano.

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
  • 514.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Adriana to purchase toys at wholesale and Christmas decorations, especially for the holiday season. In addition, she will invest part of her loan in a permit which will allow her to set up a stall at a Christmas Fair.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 25, 2011
Listed
Dec 5, 2011
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2012