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Rosa
Rosa started the Communal Bank, “Futuros Emprendedores” belonging to the municipality of Peñalolén.

She is the head of commerce, specifically selling artesian goods at a post located in various free markets. She has worked in this business for 7 years.

In her local crafts and bazaar, she offers rings, jewelry bathed in gold and silver, in addition to belts, rings, necklaces and hindu clothes, for men, ladies and children.

Rosa works Tuesday-Sunday, since Mondays she buys her merchandise. She says that during the year she maintains sales, and she is doing very well. Nevertheless, during the Holiday Season her sales increase considerably and she utilizes her earnings to continue investing in her business.

With the loan she will buy a generator, a tent and merchandise for her business. One of her goals is to buy a van to transport her merchandise, since now she uses a three-wheel bike.

Rosa lives with her two children and her granddaughter of 6 years. One of her dreams is for her children to finish their undergraduate degrees, so that they can become professionals that will enable them to have economic stability.

The motivations of continuing with this business are due to the fact that it allows her to economically maintain her home.

She is grateful for the loan she has obtained through Fondo Esperanza, since without it she would not have been able to invest in her business.

The training has served as a guide to increase her profits. On the other hand, she says that the group is very responsible and united.
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Peñalolén is located in a Metropolitan region. It has various attractive traits such as vineyards, historical buildings and natural excursion sites, elements that are transforming this municipality into a new tourism scene within the Metropolitan region.
View original language description ↓
Rosa integrante del Banco comunal “Futuros Emprendedores” perteneciente a la comuna de Peñalolén.
Ella se dedica al rubro del comercio, específicamente vendiendo artículos de artesanía en un puesto que ubica en diferentes ferias libres. Trabaja en su negocio desde hace 7 años.
En su local de artesanía y bazar, ofrece aros, joyas bañadas en oro y plata, además de cinturones, cintillos, collares y ropa hindú, para varón, dama y niños.
Rosa trabaja de martes a domingo, ya que los días lunes lo dedica para realizar las compras de mercadería.
Comenta que durante todo el año mantiene sus ventas, por lo que le va muy bien, sin embargo durante la temporada de navidad sus ventas aumentan considerablemente, por lo que sus ganancias las utiliza para seguir invirtiendo en su negocio.
Con el crédito comprará un generador, una carpa y mercadería para su negocio.
Una de sus metas es comprar una camioneta para trasladar su mercadería, ya que por ahora utiliza un triciclo.
Rosa vive junto a sus dos hijos y una nieta de seis años de edad, uno de sus sueños es que sus hijos terminen sus carreras universitarias, para que sean profesionales, lo que les permitiría tener una estabilidad económica.
Las motivaciones de continuar con este negocio se deben a que le permite mantener económicamente su hogar.
Ella está muy agradecida del crédito obtenido por Fondo Esperanza, ya que sin esta ayuda no hubiese podido invertir en su negocio.
Las capacitaciones han servido de guía para incrementar sus ganancias.
Por otro lado comenta que el grupo del cual forma parte es muy responsable y unido.
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 $1,150 helped Rosa to buy a generator, a tent and merchandise for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 29, 2011
Listed
Dec 19, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2012