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Margarita
Margarita is part of the “Unidos Emprendemos con Esperanza” (Together We Enterprise with Hope) communal bank belonging to the city of Curicó. Her line of work for the last four years has been a laundry. She works Monday through Saturday from home with a flexible schedule. She has washing machines, spinners and dryers there. Her customers drop off and pick up their clothes at Margarita’s house.

Her clientele is regular since she periodically provides services to firms and occasionally to individuals. She buys her merchandise in supermarkets and from wholesalers. She will use the loan to buy building materials and supplies to improve the infrastructure of her place of work because she needs to pave the floor. Her goal is to continue improving her locale so that the infrastructure will permit increasing her customer load.

Margarita lives with her husband and two children who are 17 and 7 years old; both attend school. One of her dreams is that her children become professionals and one of her personal projects is to finish her technical nursing studies. She comments that she works at her business during the morning and attends classes in the afternoon shift.

Margarita is very happy and grateful for the opportunity provided by Fondo Esperanza because the loan will allow her to invest in her business. With respect to the training provided during the communal bank meetings, she comments that they have been of great help to her for her business because she’s applied new bookkeeping and organizational strategies. On the other hand, the group in the communal bank she’s part of is very committed which makes her feel very comfortable.

Curicó is located in the Maule region in the center of the country. Curicó’s weather is Mediterranean so it’s considered to be one of the country’s most pleasant. It’s noted for its culture related to wine production and for the natural beauty in its surroundings. Even though employment has risen the zone continues to be, according to the latest census, one of the nation’s poorest.
View original language description ↓
Margarita forma parte del Banco comunal “Unidos Emprendemos con Esperanza”, perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de la lavandería desde hace cuatro años. Trabaja de lunes a sábado desde su casa en horario flexible, ahí cuenta con maquinas para lavar ropa, centrifugas y secadoras. Sus clientes van a dejar y buscar sus prendas al domicilio de Margarita.
Su clientela es fija, ya que presta sus servicios periódicamente a empresas y esporádicamente a particulares.
Su mercadería la compra en supermercados y también a proveedores mayoristas.
Con el crédito comprará materiales de construcción para mejorar la infraestructura de su local de trabajo, ya que necesita pavimentar el piso.
Sus metas son seguir arreglando su local, para que esta infraestructura le permita captar una mayor clientela.
Margarita vive junto a su esposo y sus dos hijos de 17 y 7 años de edad, ambos estudian. Uno de los sueños de ella es que sus hijos logren ser profesionales. Y sus proyecciones personales son terminar su carrera de Técnico en enfermería, comenta que trabaja durante el día en su negocio y que estudia en horario vespertino.
Margarita está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que el préstamo le permitirá invertir en su negocio. Respecto a las capacitaciones impartidas en las reuniones del Banco comunal, comenta que han sido de gran ayuda para su negocio, ya que ha incorporado nuevas estrategias de contabilidad y organización. Por otro lado, el grupo del Banco comunal del cual forma parte es muy comprometido, lo cual la hace sentir muy cómoda.
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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 488.6
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Margarita to buy building materials and supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 29, 2012
Listed
Mar 30, 2012
Currency Exchange Loss:
Possible
Ended:
Sep 18, 2012