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Patricia
Patricia is a member of the Caminando Juntos community bank located in the city of Rancagua. She has worked as a hairdresser for 35 years. She took specialized courses which allowed her to perfect her skills and start her business. She does haircuts, hairstyles, and dying, among other things.

She works at her salon four times a week, and her schedule is distributed according to her availability, since the salon is located in her home, and she sometimes goes to her customers' homes. She purchases her merchandise at distributors that specialize in hair care products, and sometimes she purchases at inexpensive wholesalers in Santiago, which is financially beneficial. With this loan, she will purchase dyes, hairspray, bleach, combs, and shampoo to stock her salon. One of Patricia's goals for her business is to perfect and incorporate body massage machines.

Patricia lives with her husband, who works as a manager of a grocery store, and her 21 year old son, who works. Her dream for her work is to start a bakery since she has also taken courses in this area. Her dream for her family is to have their own house.

She is very happy and thankful for the opportunity provided by Fondo Esperanza since it has allowed her to invest in her business. She says that the community bank she is a part of has very good communication. The trainings provided have allowed her to learn new sales strategies and accounting.

Rancagua is located in the Libertador Bernardo O'Higgins region. It is a modern city that produces and exports fruits and Chilean wine. It is also a mining city, since its mountains have the largest underground mine in the world, El Teniente, which has 4,500 kilometers of tunnels.
View original language description ↓
Patricia forma parte del Banco Comunal “Caminando Juntos” perteneciente a la ciudad de Rancagua.
Ella se dedica al rubro de la peluquería, desde hace 35 años. Realizo cursos de especialización, lo que le permitió perfeccionarse y emprender en su negocio. Específicamente en corte de pelo, peinados, tinturas entre otros.
Patricia se desempeña en sus labores de peluquería 4 veces a la semana y su horario de trabajo lo distribuye de acuerdo a su disponibilidad, ya que su peluquería la ubica en su propia casa y a veces se dirige a los domicilios particulares de sus clientes.
Su mercadería la compra en distribuidoras que se especializan en vender productos para el cabello, y otra veces compra en Santiago al por mayor a bajo costo, por tanto conveniente económicamente.
Con el crédito comprará tinturas, lacas, descolorantes, peinetas, shampo, para abastecer su peluquería.
Una de las metas de Patricia en su negocio son perfeccionarse e incorporar maquinas de masajes corporales.
Patricia vive junto a su esposo quien trabaja de jefe de bodega y su hijo de 21 años de edad quien se encuentra trabajado. Sus sueños a nivel laboral es poner una pastelería ya que también realizo un curso de este rubro, y su sueño a nivel familiar es tener su casa propia.
Ella se encuentra muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza ya que le ha permitido invertir en su negocio.
Respecto al grupo del Banco Comunal el cual forma parte, comenta que éste existe muy buena comunicación. Por otro lado las capacitaciones, le han servido para aprender nuevas estrategias de venta y contabilidad.
Rancagua pertenece a la región del Libertador Bernardo O´Higgins. Es una moderna ciudad que regula el principal proceso productivo y exportador agrofrutícolas y vitivinícola de Chile. Es también una ciudad minera, debido a que en su cordillera se encuentra la mina subterránea más grande del mundo “El Teniente”, con 4.500 km. de túneles.



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
  • 496.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Patricia to purchase dyes, hairspray, bleach, combs, and shampoo to stock her salon.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 7, 2012
Listed
Jul 15, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012