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Susana
Susana is a member of the "Caminando Hacia el Futuro" (Walking Toward the Future) communal bank in the city of Talca.

She makes churrascas (a type of tortilla cooked on a grill). She also makes light meals for lunch; these are salads with beef, tuna or chicken. She has been working in food production for three years. Susana says that she makes the dough in her kitchen at home, and she sells the churrascas from a cart that she fitted with a grill and a counter. Her daily schedule is from 5:00 until 9:00 in the evening, and she has a good number of customers since she places her stand near the street. She can therefore take advantage of the pedestrian traffic, which makes it easier to make sales.

She will use the loan to buy food production supplies, including flour and charcoal. One of Susana's long-term goals is to move her business into a local shop and set up a bakery.

Susana lives with her husband and their two children, who are 18 and 19 years old. Both children attend school and help their mother with her cart. The children also sell lunches at their respective schools.

Susana's dream for herself is to study international cooking since she would like to perfect her work. One of her motivations to continue with the business is that it gives her a certain amount of economic independence.

Susana is very happy and grateful for the support from Fondo Esperanza since it has allowed her to invest in her business. She also says that she attended all the training sessions, and because of them she also feels very motivated. The communal bank that she is part of is also very united and committed.

Talca is in the Maule region, which is located in the center of the country. It is the administrative, economic and cultural center of the region, so it is the most important city in Chile's Central Valley. In Chile there is a curious reference to Talca in the phrase "Talca, Paris and London". Some of the stories about this saying state that it comes from a statement originally made by an Englishman, "Talca parece Londres" (Talca looks like London) because of the abundant cloud cover that is frequently over the city in winter, similar to the capital of the United Kingdom.
View original language description ↓
Susana integrante del Banco comunal “Caminando Hacia el Futuro” perteneciente a la ciudad de Talca.
Se dedica a la preparación de churrascas (masa de pan, pero cocinado en una parrilla), además prepara colaciones para almorzar, las cuales consisten en ensaladas con carne, atún o pollo.
Trabaja en la producción de comidas, desde hace 3 años. Comenta que la preparación de la masa la realiza en la cocina de su casa y las vende en un carro que habilitó con una parrilla y un mesón. Su horario de trabajo es de 5ºº a 9ºº de la tarde, cuenta con un buen número de clientes, ya que su puesto lo ubica cerca de la calle, por lo que aprovecha esta situación de concurrencia peatonal, facilitándole sus ventas.
Con el crédito comprará los insumos para su producción de alimentos, entre harina y carbón.
Una de sus metas a largo plazo, es instaurar su negocio en un local establecido e instalarse con una amasandería.
Susana vive junto a su marido y sus dos hijos de 18 y 19 años de edad, ambos estudian y le ayudan a su madre en la instalación de su carro y también venden colaciones en sus respectivos lugares de estudio.
Su sueño a nivel personal es estudiar la carrera de cocina internacional, ya que le gustaría perfeccionarse en su negocio.
Una de las motivaciones de continuar con el negocio, se debe a que le proporciona cierta independencia económica.
Susana está muy contenta y agradecida del apoyo brindado por Fondo esperanza, ya que le ha permitido invertir en su negocio, además comenta que aprovechado todas las instancias de capacitaciones, por lo que se siente también muy motivada. Por otro lado, el grupo del Banco comunal del cual forma parte es muy unido y comprometido.
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
  • 1
    View loans »
    Chile Loans Fundraising
  • $2,587,775
    Funds lent in using Kiva
  • 518.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Susana to buy supplies such as flour and charcoal for making foods.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 12, 2011
Listed
Dec 17, 2011
Currency Exchange Loss:
Possible
Ended:
May 15, 2012