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Laura
Laura is a member of the Communal Bank “Jesus Obrero” which is located in the city of Curicó. She has worked as an accountant for 20 years. Laura says that she works from her home Monday through Friday, but on other occasions she works at an office located in the central part of the city. In order to get downtown, she drives a vehicle that is also used for traveling short distances to buy supplies for her two business locations. Laura mentions that her supplies are purchased in the city of Santiago and from distributors at low cost, which is financially convenient. With this loan, one of her goals is to have a location downtown that is more comfortable for her as well as her clients, some of whom come to her house while the others go to her office.


Laura lives with her 21-year-old son who is studying at the university. Her dreams include buying a piece of property where she can relocate her practice and attend to all of her clients at the same place. This will help her generate more income and lead to a better quality of life. Laura is very pleased and appreciative of the opportunity provided by Fondo Experanza to invest in her business. In addition, she feels very comfortable being in the presence of other entrepreneurs in her Communal Bank group with whom she shares different activities and interests. Their meetings also provide her with a moment of distraction.


Curicó is located in the region of Maule, an area in the central part of the country. The climate in Curicó is similar to that of the Mediterranean and is considered to be one of the most pleasant in the country. Curicó is also known for its wine culture and the natural beauty of its surrounding areas. Even though the job market has gotten stronger, this area continues to be one of the poorest in the country according to the last census.

View original language description ↓
Laura forma parte del Banco Comunal “Jesus Obrero” perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de contador, desde hace 20 años. Comenta que trabaja de lunes a viernes en su casa y otras veces en una oficina ubicada en el centro de su ciudad, para movilizarse al centro ocupa su vehículo así acorta un poco las distancias y le ayuda en las compras para sus insumos en sus dos negocios.
Comenta que sus insumos los compra en la ciudad de Santiago y en distribuidoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito Una de sus metas es tener un local en el centro para mayor comodidad tanto para ella como para su clientela, ya que algunos se dirigen a su casa y otros a la oficina del centro.
Laura vive junto a su hijo de 21 años de edad, quien se encuentra estudiando en la Universidad. Sus sueños son comprar un terreno para instalarse con un local establecido y atender a todo su clientela en un mismo lugar, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Laura 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 el grupo del Banco Comunal, ya que comparten diferentes actividades, intereses, lo cual también le ha servido como un momento de distracción.
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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 503.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Laura to buy supplies for her accounting practice and to pay for repairs to her vehicle.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 18, 2012
Listed
Jun 27, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012