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Raquel
Raquel is part of the "Mataquito” communal bank, in the city of Curicó. For a long time now, she has devoted her time to selling second-hand clothing, from stalls which she rents in different open-air markets across the city. Her working hours are from 9am until 2pm, on Saturdays, Sundays and holidays. She buys her merchandise as bundles of 60 garments per bag. In low season she also sells sweets, including coconut sweets, truffles, and filled sponge cakes among others. These she buys from a distributor in the city of Santiago, sometimes buying them to order. With the loan she will buy clothing for teens. Her business goal is to increase her stock so she can continue selling. Raquel lives with her husband and their three children, age 29, 16 and 11, and their 10 year old grandson. Her dreams, on a personal level, are to offer a better standard of living for her family.

She is very happy and grateful to have this opportunity offered by [the field partner] Fondo Esperanza, because it has enabled her to invest in her business. She also very much enjoys the companionship of the other members of the communal bank, and she says that meeting them has provided a chance to share experiences and a pleasant way to spend free time. Referring to the training they receive, she says this has helped her to improve her business strategies.

Curicó is located in the Maule region in the centre of the country. The climate there is a mediterranean one, considered one of the most pleasant in the counrty. It is an area well known for wine-growing and for its beautiful natural scenery. However, despite an increase in the workforce, the last census showed that the region continues to be one of the poorest parts of the country.
View original language description ↓
Raquel forma parte del Banco comunal “Mataquito” perteneciente a la ciudad de Curicó.
Ella se dedica a la venta de ropa reciclada desde hace tiempo, su mercadería la vende en un puesto que arrienda en diferentes ferias libres de la ciudad. Su horario de trabajo es de las 9ºº de la mañana hasta las 14ºº horas. Los días de trabajo son los sábados, domingos y festivos.
Su mercadería la compra por fardos a conocidos, en estas maletas vienen 60 productos. Cuando la temporada es más baja se dedica a vender dulces, específicamente cajas de cocadas, trufas, cuchuflis, entre otros, los compra en una distribuidora en la ciudad de Santiago y realiza los pedidos por encomienda.
Con el crédito comprará ropa nueva para adolescentes.
Las metas en su negocio son abastecerse de mercadería para continuar vendiendo.
Raquel vive junto a su marido, sus 3 hijos de 29, 16 y 11 años, además de su nieto de 10 años de edad. Sus sueños a nivel personal son brindarle una mejor calidad de vida a su familia.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además disfruta mucho de la compañía de las demás socias en las reuniones impartidas en el grupo, comenta que le ha servido para compartir y distraerse en su tiempo libre.
Respecto a las capacitaciones, comenta que le han servido para mejorar las estrategias en su negocio.
Curicó se ubica en la región del Maule, zona centro del país. El clima de Curicó es de tipo mediterráneo y es considerado como uno de los más agradables del país. Se caracteriza además por su cultura en torno al vino y sus alrededores de belleza natural. A pesar de que la fuerza de trabajo se ha incrementado, esta zona sigue siendo, según el último censo, una de las más pobres del país.

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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 505.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Raquel to buy clothing for teens.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 13, 2011
Listed
Jan 18, 2012
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2012