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María Elena
María Elena is a member of the communal bank “Caminando Hacia el Futuro” of Talca. She has sold new clothing for 9 years and also works as a clerk in a factory. She generally sells clothing according to the season and she sells underwear throughout the year.

She buys the merchandise in Arica, a city in the north of Chile. Her daughter lives there and she takes advantage of that to travel to Arica three times a year to supply her business with clothing and bazaar products such as women’s and children’s key chains. She says that the prices there for merchants are very good.
Her work schedule is totally flexible since she fits it around her hours as a clerk.
She also has many customers who give her orders and María Elena fills them when she travels to buy the merchandise.
She will use the money to buy exclusive clothing wholesale and will visit her daughter for New Years when she buys the merchandise.
One of her goals is to be independent and set up a permanent stand and possibly to have a bazaar or a boutique. She lives together with her husband and her dreams are to prosper in the business.
María Elena is very happy and appreciative for the help offered her by Fondo Esperanza since it has allowed her to invest in her business and expand it. She also feels very comfortable with the company and the assistance of the communal bank of which she is a member. She says that it is a very committed and responsible group and the trainings have helped her organize the accounting in her business.

Talca is in the Maule region, located in the center of the country. It is the commercial and cultural center of the region since it is the most important of the Chilean central valley. There is a curious reference in Chile about Talca, the phrase “Talca, Paris and London”. Some say it originates with the English saying, “Talca looks like London” because of the thick fog that frequently covers the city in the winter, as in the capitol of the United Kingdom.
View original language description ↓
María Elena integrante del grupo del Banco comunal “Caminando Hacia el Futuro” perteneciente a la ciudad de Talca.
Ella se dedica a la venta de ropa nueva desde hace 9 años. Además trabaja de manera dependiente en una fábrica.
La mercadería que vende generalmente es de acuerdo a la temporada del año y durante todo el año también se dedica a vender ropa interior.
Su mercadería la compra en la ciudad de Arica, al norte de Chile. Su hija vive en ésta ciudad, por lo que aprovecha de viajar tres veces al año para surtir su negocio con ropa y productos de bazar, entre llaveros accesorios para dama y niños. Comenta que los precios para comerciantes son muy convenientes.
El horario que utiliza para su negocio es totalmente flexible, ya que distribuye sus tiempos de acuerdo al horario de su trabajo dependiente.
Además cuenta con un gran número de clientes, quienes realizan sus pedidos, cuando María Elena le corresponde viajar para comprar su mercadería.
Con el crédito comprará ropa exclusiva y al por mayor, aprovechará de visitar a su hija para Año nuevo y comprará su mercadería.
Una de sus metas son independizarse e instalarse con un local establecido, en lo posible tener un bazar o una boutique.
Ella vive junto a su marido y sus sueños son prosperar en su negocio.
María Elena está muy contenta y agradecida de la ayuda brindada por Fondo Esperanza, ya que le ha permitido invertir en su negocio e incrementarlo.
Además se siente muy cómoda con la compañía y apoyo del grupo del Banco comunal, del cual forma parte. Comenta que es un grupo muy comprometido y responsable.
Por su parte las capacitaciones le han servido para organizar la contabilidad de su negocio.
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
  • $2,587,775
    Funds lent in using Kiva
  • 520.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped María Elena to buy exclusive clothing wholesale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 12, 2011
Listed
Dec 20, 2011
Currency Exchange Loss:
Possible
Ended:
May 15, 2012