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Bianca
Bianca is a member of the Communal Bank “Futuros Emprendedores” (Future Entrepreneurs) which is located in the town of Peñalolén. She works in the retail trade, specifically selling handcrafted products, which include clothing from India for women, men, and children, and accessories such as rings, necklaces, bracelets, scarves, and other items. She offers all of her merchandise from a vending stall at both the open market and at the Persian fair. Her work schedule is from Tuesday to Sunday.


Bianca says that her venture is a family business that has been in operation for seven years. She works with her mother and brother. Bianca purchases her merchandise from different distributors, especially those that offer the most affordable prices. With this loan she will buy merchandise for her business, mostly innovative products.


Bianca lives with her mother, her brother, and her six-year-old daughter. She says that she is studying at the university for a law degree, so one of her dreams is to finish her studies. In addition, she would like to buy a house of her own and provide her daughter a better quality of life. Bianca is very pleased and appreciative of the opportunity given to her by Fondo Esperanza so that she can invest in her business. In addition, she says that the assistance she receives not only consists of financing, but it also includes education. As part of her training classes, Bianca has learned more advanced methods of accounting. By working alongside her Communal Bank group, she feels united, responsible, and committed.


Peñalolén is located east of the Metropolitana region. It has several attractions such as vineyards, historical buildings, and natural archaeological sites. These elements have transformed this area into a tourist haven in the Metropolitana region.

View original language description ↓
Bianca integrante del Banco comunal “Futuros Emprendedores” perteneciente a la comuna de Peñalolén.
Se dedica al rubro del comercio, específicamente vendiendo productos de artesanía, entre los cuales se encuentran ropa hindú para dama, varón y niños, además accesorios como; aros, collares, pulseras, pañoletas, entre otros. Todo esto lo ofrece en un puesto que instala en una feria libre y feria persa. Su horario de trabajo es de martes a domingo.
Comenta que su negocio es familiar y está funcionando desde hace 7 años. En éste negocio también trabaja su madre y su hermano.
La mercadería la compra en diferentes distribuidoras, primordialmente donde los precios sean más convenientes económicamente.
Con el crédito comprará mercadería para su negocio, principalmente productos innovadores.
Sus metas son seguir prosperando en su negocio y que éste se pueda mantener en el tiempo.
Bianca vive junto a su madre, su hermano y su hija de 6 años de edad. Bianca comenta que estudia en la Universidad la carrera de derecho, por lo que uno de sus sueños es terminar sus estudios, además le gustaría obtener su vivienda propia y brindarle a su hija una mejor calidad de vida.
Las motivaciones de continuar con el negocio se deben a que le permite brindar un sustento económico para su familia.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza para invertir en su negocio, además comenta que la ayuda recibida no es solo monetaria, sino también educativa, ya que con las capacitaciones ha aprendido de contabilidad de una forma más técnica.
Por otro lado el grupo del Banco comunal del cual forma parte es muy unido, responsable y comprometido.
Peñalolén se localiza al oriente de la región metropolitana. Cuenta con diversos atractivos tales como viñas, edificios considerados patrimonio histórico y sitios naturales de excursión, elementos que están transformando a esta comuna en un nuevo panorama turístico dentro de la región Metropolitana.

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
  • 517.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Bianca to buy merchandise to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 29, 2011
Listed
Dec 21, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2012