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Elena is part of the El Almedral communal bank located in the town of Peñalolén, city of Santiago. She has worked in the area of hairdressing for three years. She took some specialized courses, which allowed her to improve herself and launch her business, specifically in haircuts, hairstyles, and dyes.

Elena performs her hairdressing duties from Monday through Friday, and she arranges her schedule according to her availability, since her children are young and it is she who goes to the homes of her different customers. She buys her merchandise from a distributor that specializes in selling hair products. One of Elena's business goals is to have the opportunity to open a store as a beauty salon where she can see her customers.

With the loan she will buy a hair dryer, an electric razor, and scissors.

Elena lives with her husband and three children, ages 17, 9, and 8. Her personal dream is to give her family a better quality of life.

She is very happy and grateful for the opportunity that Fondo Esperanza has given her because it has allowed her to invest in her business. She also feels very comfortable with the other entrepreneurs in the communal bank group because they share different activities and interests, which also has served to distract her for a moment. With regard to the training given in the meetings, she has learned to run her business better.

Peñalolén is located in the east of the metropolitan area. It has various attractions such as vineyards, buildings considered part of the cultural heritage, and excursions to natural areas, elements that are changing this town into a new tourism scene within the metropolitan region.
View original language description ↓
Elena forma parte del Banco comunal “El Almendral” perteneciente a la comuna de Peñalolén, ciudad de Santiago.
Ella se dedica al rubro de la peluquería, desde hace tres años. Realizó algunos cursos de especialización, lo que le permitió perfeccionarse y emprender en su negocio. Específicamente en corte de pelo, peinados y tinturas.
Elena se desempeña en sus labores de peluquería de lunes a viernes y su horario de trabajo lo distribuye de acuerdo a su disponibilidad, ya que sus hijos son pequeños y ella es quien se dirige a los domicilios particulares de sus clientes.
Su mercadería la compra en una distribuidora que se especializa en vender productos para el cabello.
Una de las metas de Elena en su negocio, son tener la oportunidad de abrir un local como salón de belleza, en el cual pueda atender a sus clientes.
Con el crédito comprará un secador de pelo, una máquina rasuradora y tijeras.
Elena vive junto a su marido y sus tres hijos de 17, 9 y 8 años de edad, sus sueños a nivel personales son brindarle a su familia una mejor calidad de vida.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio.
Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo del Banco comunal, ya que comparten diferentes actividades, intereses, lo cual también le ha servido como una momento de distracción.
Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 499.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Elena to buy a hair dryer, an electric razor, and scissors.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 23, 2011
Jan 17, 2012
Currency Exchange Loss:
Jul 15, 2012