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Francisca
Francisca is part of the communal bank "Esmeralda", which is in the city of Talchuaho.
She prepares a variety of food, depending on the season. During the year, she makes empanadas, cakes, candies, and other foods.
She is currently making humitas (dough wrapped in corn leaves), pastel de choclo (baked corn pastry), and a peach and husked wheat drink. She has been working in this way for 12 years.
She says that she had a fast food business. However, the earthquake on the 27th of February, 2010, destroyed her business. For now, she prepares her foods in the comfort of her home. She delivers directly to the homes of her customers, according to the orders that they make. Francisca works at her business from Monday through Saturday with a flexible schedule. She buys her ingredients at the large market (an open air fair that the merchants set up).
She will buy onions, corn, and eggs at wholesale with the loan.
One of her goals for her business is to settle into a new business establishment. She must wait for the reconstruction of her house, though.
Francisca lives with her husband and her two children who are 28 and 18 years old. The older one studies philosophy and his younger sister will begin studying at the university this year.
Francisa's dream is that her children become professionals.
She is very happy and thankful for the opportunity that Fondo Esperanza is offering to her, since it will allow her to invest in her business.
The communal bank that she is part of is very tight-knit, responsible, and committed. In respect to the training that is given at the communal bank meetings, she says that they have taught her to use better accounting strategies.
Talcahuano is a town and city-port in the Biobío region, in southern Chile. It is know as one of the main ports in the country. It's name, in mapudungun (the mapuche language) means "thundering sky". It has a very attractive, natural passage, due to the combination of rivers, sea, fertile plains, meadows, and the mountainous bodies, with beautiful vegetation. Its economy revolves around the port, its naval base, and an important industrial district with companies of iron and steel, petroleum refinery, petrochemistry, cement, gas, etc.
View original language description ↓
Francisca forma parte del Banco comunal “Esmeralda” perteneciente a la ciudad de Talcahuano.
Ella se dedica a preparar variedad de alimentos dependiendo de la temporada. Durante el año realiza empanadas, tortas, dulces, entre otras comidas. Actualmente realiza humitas (masa envuelta de hojas de maíz), pastel de choclo (pasta de maíz al horno) y también mote con huesillo. Se desempeña en éste rubro desde hace 12 años.
Comenta que tuvo un local de comida rápida, sin embargo posterior al terremoto del 27 de febrero de 2010, su negocio fue asolado. Por ahora prepara sus comidas en la comodidad de su casa. Hace entregas directas en los domicilios de sus clientes, de acuerdo a los pedidos que realicen. Francisca se dedica a su negocio de lunes a sábado con un horario flexible. Sus insumos los compra en la vega monumental (feria libre que abastece comerciantes).
Con el crédito comprará cebollas, choclos (maíz) y huevos, al por mayor.
Una de las metas para su negocio es instalarse nuevamente con un local establecido (amasandería), para esto debe esperar la reconstrucción de su casa.
Francisca vive junto a su marido y sus dos hijos de 28 y 18 años de edad, el mayor estudia la carrera de pedagogía en filosofía y su hija menor comenzará a estudiar en la Universidad éste año.
El sueño de Francisca es que sus hijos sean profesionales.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio.
El grupo del Banco comunal del cual forma parte es muy unido, responsable y comprometido. Respecto a las capacitaciones impartidas en las reuniones del Banco comunal, comenta que le han servido para mejorar algunas estrategias de contabilidad.
Talcahuano es una comuna y ciudad-puerto de la región del Biobío, al sur de Chile. Es conocida como uno de los principales puertos del país. Su nombre en mapudungun (lengua mapuche) significa "cielo tronador". Posee un paisaje natural muy atractivo, debido a la combinación de ríos, mar, planicies fértiles, vegas y los cuerpos montañosos, con una hermosa vegetación. Su economía gira en torno a su puerto, su Base Naval, y un importante barrio industrial con empresas siderúrgicas, refinería de petróleo, petroquímica, cemento, gas, etc.




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
  • $2,587,775
    Funds lent in using Kiva
  • 499.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Francisca buy onions, corn, and eggs at wholesale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 19, 2011
Listed
Jan 20, 2012
Currency Exchange Loss:
Possible
Ended:
May 15, 2012