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Teresa
Teresa is a member of “Todos Juntos” (All United), a Communal Bank belonging to the town of Viña del Mar.
She is a retailer, and activity she has been engaged in for 6 years. Her stall is located in the free markets on Sundays, while Mondays to Saturdays she works in her house. She sells a variety of general products, notably new clothes.
She generally buys he products in the town of Santiago, because it is there where she finds goods at low prices.
The loan she is requesting will be used to buy various items.
One of Teresa’s goals is to open a bazaar in her house, in order to increase her earnings, reaching through this mean a better standard of living.
Teresa lives with her husband, their two children, aged 28 and 29, and two grandsons. The dream she has for her family is to be able to make her house bigger.
She is very happy about and grateful for the chance she has been given by Fondo Esperanza, as this has allowed her to invest in her activity.
She also feels really at ease in the company of the fellow members of her Communal Bank, because sharing with them different actives and interests is a good distraction she enjoys.
Viña del Mar is both a city and a township located on the central coast of Chile. It is known as “Ciudad Jardín” (Garden City) because of the gardens and patios found in some of the older homes in the city. Viña del Mar is also considered to be the tourist capital of Chile.
View original language description ↓
Teresa forma parte del Banco Comunal “Todos Juntos” pertenecientes a la ciudad de Viña del Mar.
Ella se dedica al rubro del comercio vendiendo articulos de juguetes, venta de ropa para niños y adultos, desde hace 6 años. Su puesto lo ubica en ferias libres los días domingo, y de lunes a sábado trabaja en su casa en la venta de articulos en general. Su mercadería es variada en ropa nueva y artículos de juguetes.
Su mercadería usualmente la compra en la ciudad de Santiago ya que es un lugar en el cual encuentra su mercadería a bajo costo.
Con el crédito comprará ropa nueva para niños y adultos, juguetes, regalos para aprovechar la temporada del dia del padre.
Una de las metas de Teresa es tener un bazar en su casa para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Teresa vive junto a su marido, 2 hijos de 28 y 29 años de edad, y 2 nietos. Sus sueños a nivel familiar es poder ampliar su casa, asi optar a una mejor calidad de vida su familia.
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 le ha servido como un momento de distracción.
Viña del Mar es una ciudad y comuna ubicada en el litoral central de Chile, conocida como la Ciudad Jardín debido a los jardines y patios que poseen algunas viviendas antiguas de la ciudad. También es considerada la capital turística de Chile.

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
  • 503.9
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Teresa to purchase new clothes for children and adults, toys, and gifts to take advantage of Father's Day.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 23, 2012
Listed
May 29, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012