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Norma
Norma is a member of the community bank "El Almendral" which is located in the town of Peñalolén, city of Santiago. She has worked in the sewing industry for twenty years. For more than ten years, she has had a sewing workshop located in a room in her home. There she has five sewing machines, including a straight stitch machine, overlock machine, and a machine for working on collars. She makes school clothing. She has orders for more than 300 polo shirts. Her goal is to distribute the school clothes directly to the schools without an intermediary. Norma works for small businesses and occasionally takes orders or does alterations for individuals.

With the loan she is requesting, she will purchase an overlock sewing machine and materials such as thread and needles.

She says the time with the highest demand is the summer, between January and May, because it is time for school.

Her goal is to rent another house to build a workshop with more amenities where she can grow her business and offer work to other people.

Norma lives with her three children who are 15, 18, and 24 years old. Her dreams on a personal level are to own her own house, that her children will be professionals, and to build her own sewing workshop.

She is very happy and grateful for the opportunities provided by Fondo Esperanza since they allow her to invest in her business. She says that she has very good relationships with her community bank group since they do things together. The trainings provided at the meetings have allowed her to improve her accounting strategy for her business, which has been very positive.

Peñalolén is located to the east of the metropolitan area. It has many attractions including vineyards, historical buildings, and natural sites to tour. These elements are transforming this area into a new tourist destination in the metropolitan area.
View original language description ↓
Norma forma parte del Banco comunal “El Almendral” perteneciente a la comuna de Peñalolén, ciudad de Santiago.
Ella se dedica al rubro de la confección desde hace 20 años. Y desde hace 10 años cuenta con un taller de confección que está ubicado en un dormitorio que habilitó en su casa. Ahí cuenta con 5 máquinas de coser, entre máquina con puntada recta, overlock y colleretera.
Confecciona específicamente ropa de colegio, realiza más de 300 poleras por encargo, sus pretensiones son distribuir ropa de colegio directamente a las escuelas sin intermediarios. Norma trabaja para pequeñas empresas y esporádicamente realiza confecciones o arreglos a particulares.
Con el crédito comprará una máquina de coser overlock, además de insumos como hilos y agujas.
Comenta que la temporada de más alta demanda es durante el verano, comprendido entre enero a mayo, por la época de colegio.
Sus metas son arrendar otra casa para construir un taller con más comodidades. Así surgir en su negocio y brindarles posibilidad de trabajo a otras personas.
Norma vive junto a sus tres hijos de 24, 18 y 15 años de edad. Sus sueños a nivel personal son obtener su casa propia, también que sus hijos sean profesionales y construir su propio taller de confección.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que tiene muy buenas relaciones interpersonales con el grupo del Banco comunal, ya que realizan actividades en conjunto. Respecto a las capacitaciones impartidas en las reuniones, le han servido para mejorar las estrategias de contabilidad en su negocio, lo cual ha sido positivo.
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
  • $2,587,775
    Funds lent in using Kiva
  • 497.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Norma to purchase an overlock sewing machine and materials such as thread and needles.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 23, 2011
Listed
Jan 22, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2012