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Angelica
Angélica is part of the “Todos Juntos” (All Together) communal bank belonging to the city of Viña del Mar. She’s a seamstress and works by herself at home; she’s been in this business for three years. She comments that she buys her supplied directly in stores in the city of Valparaíso because those are places where she finds her merchandise at low cost.

She will use the loan to replace her car in order to transport her creations to her customers.

One of her goals is to earn more income so that her children can finish their schooling and her task will be complete.

Angélica is very happy and grateful for the opportunity Fondo Esperanza is giving her because the loan will allow her to invest in her business. In addition, she feels comfortable in the bank group she belongs to which motivates her to continue participating in the institution. She also comments that the training received at the meetings have served her to better invest in her business.

Viña del Mar is a city and commune located on the central coast of Chile; it’s known as the Garden City because of the gardens and patios some of the old houses in the city have. It’s also considered to be Chile’s tourism capital.
View original language description ↓
Angélica forma parte del Banco Comunal “Todos Juntos” perteneciente a la ciudad de Viña del Mar.
Ella se dedica al rubro de la confección, trabaja sola en su casa, se desempeña en este negocio desde hace 3 años.
Comenta que sus insumos los compra directamente en tiendas de la ciudad de Valparaíso, ya que son lugares en los cuales encuentra su mercadería a bajo costo.
Con el crédito cambiará su auto para transporta sus confecciones a su clientela.
Una de sus metas es instalar otro taller de confección, para generar mayores ingresos así con esto optar a una mejor calidad de vida.
Angélica vive junto a su marido y sus hijos de 22, 14 y 8 años de edad, quienes se encuentran estudiando.
Sus sueños son obtener más ingresos, para que sus hijos terminen de estudiar, para ver su tarea cumplida.
Angélica 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 del Banco 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.
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