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Maria
Maria is part of the "Fénix" communal bank, which belongs to the town of Talca.
She has been in the food sales business for a month. She comments that she works alongside her husband, since she prepares the lunches and her husband is the one who distributes them in his workplace. Her business is located in her own home. She works Monday through Friday and organizes her hours according to her availability.
She buys the merchandise and supplies she needs in various supermarkets and food distributors. Sometimes she orders her merchandise from distributors and they deliver it directly to her home.
One of Maria's goals for her business is to enlarge her house in order to have a big store and therefore serve her customers more comfortably.
With the loan she will purchase a larger refrigerator, as well as vegetables, legumes and pasta, in order to stock up her business.
Maria lives with her husband and her little 7-year-old son, who goes to school. Her dreams, as far as her family goes, are to take her son on a trip so he can see snow for the first time and also to sign him up for folkloric dance lessons.
Maria is very glad and thankful for the opportunity that Fondo Esperanza has given her, since it has allowed her to invest in her business. Furthermore, she feels very comfortable in the company of the other entrepreneurs from the communal bank, because they share various interests and activities which have also served as leisure moments for her. As for the training given in the meetings, she has learned to manage her business in a better way.
Talca belongs to the region of Maule, located in the country's central area. It's the administrative, economic and cultural center of the region, and it's the most important town in the Chilean Central Valley. In Chile, Talca is curiosly referred to using the phrase "Talca, París, Londres" ("Talca, Paris, London"). Among the legends told about that, some say that it derives from the original saying by an Englishman, "Talca parece Londres" ("Talca is like London"), because of the abundant fog that frequently covers the town in wintertime, reminiscent of the capital of the United Kingdom.
View original language description ↓
Maria forma parte del Banco Comunal “Fénix” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de ventas de comidas, desde hace 1 mes. Comenta que trabaja en conjunto con su marido, ya que ella realiza los almuerzos y su marido es quien los distribuye en donde él trabaja, su negocio lo ubica en su propia casa, trabaja de lunes a viernes y su horario lo distribuye de acuerdo a su disponibilidad.
Su mercadería e insumos que va necesitando los compra en diferentes supermercados y distribuidoras de alimentos, algunas veces compra ha pedido su mercadería en distribuidoras y se la entregan directamente en su casa.
Una de las metas de Maria en su negocio es ampliar su casa para tener un gran almacén y así atender a sus clientes con mayor comodidad.
Con el crédito comprará un refrigerador más grande, además verduras, legumbres, masas, para abastecer su negocio.
Maria vive junto a su esposo y su hijo pequeño de 7 años de edad quien se encuentra estudiando. Sus sueños a nivel familiar son llevar de paseo a su hijo a conocer la nieve e integrarlo a talleres de baile folklórico.
Maria 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 también le ha servido como un momento de entretención. 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
  • 507.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Maria to purchase a larger refregerator, as well as vegetables, legumes and pasta in order to stock up her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 20, 2012
Listed
Jun 27, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012