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Patricia
Patricia is part of the “Semillitas Del Sur” (Little Seeds from the South) communal bank belonging to the city of Talca. She’s been a merchant, specifically a grocer, for the last two years. She comments that she works by herself Monday through Saturday from 9am until 9pm; her store is home-based. She buys the merchandise and supplies she needs to restock her store in various economically convenient supermarkets and low-price distributorships.

She will use the loan to buy a freezer and a little more merchandise to stock her store. One of her goals is to have a larger store with a greater variety of products and ingredients for her clientele to generate higher income and thus be able to opt for a better quality of life.

Patricia lives with her husband and two daughters who are 19 and 10 years old and who are students. Her dream is to own her house to provide her family with a better quality of life.

She is very grateful and happy for the opportunity Fondo Esperanza has given her because it’s allowed her to invest in her business. In addition, she feels very comfortable in the company of her fellow entrepreneurs in the communal bank because they share different activities and interests which have been moments of enjoyment for her. With respect to the training provided at meetings, she’s learned how to better run her business.

Talca belongs to the Maule Region located in the center of the country. It’s the administrative, cultural and economic center of the region being the most important city in the Chilean Central Valley.

There is a curious reference to Talca in Chile, the phrase “Talca, París y Londres” (Talca, Paris and London). Among the myths referring to it, some say it comes originally from something an Englishman said: “Talca parece Londres” (Talca seems like London) because of the thick fog that frequently blankets the city in winter similar to the capital of the United Kingdom.
View original language description ↓
Patricia forma parte del Banco Comunal “Semillitas del Sur” perteneciente a la ciudad de Talca.
Ella se dedica al rubro del comercio, específicamente almacén, desde hace 2 años. Comenta que trabaja sola de lunes a sábado de 9ºº hasta 21ºº, su almacén lo tiene establecido en su casa.
Su mercadería e insumos que va necesitando para reponer en su almacén la compra en diferentes supermercados y distribuidoras a bajo costo, por tanto conveniente económicamente.
Con el crédito comprará una maquina congeladora, y un poco mas de mercadería para abastecer su almacén.
Una de sus metas es tener un almacén más grande con gran variedad de productos e insumos para su clientela, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Patricia vive junto a su esposo y sus 2 hijas de 19 y 10 años de edad quienes se encuentran estudiando. Sus sueños son tener su casa propia para brindarle a su familia una mejor calidad de vida.
Ella está muy agradecida y contenta 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 también le ha servido como un momento de distracción.
Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Talca pertenece a la región del Maule, ubicada en la zona centro del país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante del Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital del Reino Unido.

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
  • $2,552,775
    Funds lent in using Kiva
  • 502.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Patricia to buy a freezer and more stock merchandise for her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 15, 2012
Listed
Jun 22, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012