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Marta
Marta forms part of the communal bank "Leonor Mascayano" that pertains to the city of Talcahuano. She works in making pastries, bread and snacks. She has carried out her work alone every day from her house, since 7 months ago. She buys her merchandise from distributors that specialize in selling products for pastry making. One of Marta's goals is to be able to put up a place near her house, in which she can continue with her clients. With the loan she will buy merchandise to supply her business.

Marta lives with two children, one who is 21 who is studying Dentistry, and the other who is 28 who is studying Accounting/Auditing. Her dreams at a personal level are to provide her family a better quality of life, and for her business to continue growing. She is very content and thankful for the opportunity offered by Fondo Esperanza, since the loan will permit her to invest in her business. Furthermore, she feels comfortable with the communal group of which she is part of, which motivates her to continue participating in the institution. She comments moreover that the trainings given in the meetings have helped her to invest better in her business.

Talcahuano is a town and city - port of the region of Biobío, in southern Chile. It is known as one of the principal ports of the country. Its name in Mapadungun (the Mapuche language) means "Thundering Sky". The city possesses very attractive natural scenery, due to the combination of rivers, sea, fertile plains, meadows and mountainous bodies, with beautiful vegetation. The economy revolves around the port, the naval base and an important industrial neighborhood with iron and steel companies, petroleum, petrochemical, cement and gas refineries, etc.
View original language description ↓
Marta forma parte del Banco Comunal “Leonor Mascayano” perteneciente a la ciudad de Talcahuano.
Ella se dedica al rubro de repostería, panadería y preparar colaciones, se desempeña sola en sus labores trabajando todos los días desde su casa, desde hace 7 meses.
Su mercadería la compra en distribuidoras que se especializan en vender productos de repostería.
Una de las metas de Marta es poder colocar un local cerca de su casa, el cual pueda seguir con su clientela. Con el crédito comprará mercadería para abastecer su negocio.
Marta vive junto a 2 hijos, uno de 21 quien estudia Odontología, y el otro de 28 quien estudia contador auditor.
Sus sueños a nivel personal son brindarle a su familia una mejor calidad de vida y que su negocio siga creciendo.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que el crédito le permitirá invertir en su negocio. Además se siente cómoda con el grupo Comunal del cual forma parte, lo cual la motiva a seguir participando en la institución. Comenta además que las capacitaciones impartidas en las reuniones le han servido para invertir mejor en su negocio.
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
  • $2,637,700
    Funds lent in using Kiva
  • 500.3
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Marta she will buy merchandise to supply her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 19, 2012
Listed
May 25, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012