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Nancy
Nancy is a member of the Communal Bank “Esperanza Requinoa” which is located in the city of Rancagua. She works in the business trade, specifically selling groceries and managing a package shipping center. Nancy began working in these businesses eight years ago. She says that she works with the help of her husband. Nancy works Monday through Friday and her delivery schedule is based on her availability.


Nancy buys her merchandise from supermarkets and distributors. The supplies for her package service are purchased in the city of Santiago at low cost, which is financially convenient. With this loan, she will buy oils, beverages, pastries, undergarments, knitted items, and T-shirts to restock her business. One of Nancy’s goals is to continue her business so that she can generate more income and choose a better quality of life.


Nancy lives with her husband and son. Her husband helps with the sales in her business and her son is working. Her dreams include seeing her son in charge of the business when she and her husband are not able to work.


Nancy is very pleased and appreciative of the opportunity provided by Fondo Esperanza so that she can invest in her business. In addition, she feels very comfortable to be in the company 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. With respect to the training classes conducted during their meetings, she has learned how to manage her business better.


Rancagua is part of the Libertador Bernardo O’Higgins region. This modern city is one of the main producers and exporters of fruits and wine in Chile. It is also a mining city because it is the home of “El Teniente”, one of the largest underground mines in the world with 4500km of tunnels.

View original language description ↓
Nancy forma parte del Banco Comunal “Esperanza Requinoa” perteneciente a la ciudad de Rancagua.
Ella se dedica al rubro de negocio específicamente venta de abarrotes y paquetería. Se desempeña en sus labores desde hace 8 años, comenta que trabaja con la ayuda de su esposo y algunas veces de su hijo, trabaja de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en supermercados y distribuidoras, y los artículos de paquetería los compra en la ciudad de Santiago a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará aceites, bebidas, masas, pantys, calcetas, camisetas, para abastecer su negocio.
Una de las metas de Nancy en su negocio, son continuar con el negocio, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Nancy vive junto a su esposo quien le ayuda con las ventas del negocio y su hijo quien se encuentra trabajando. Sus sueños son que su hijo quede a cargo del negocio cuando ella o su esposo no puedan trabajar.
Ella 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 distracción.
Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Rancagua pertenece a la región del Libertador Bernardo O´Higgins. Es una moderna ciudad que regula el principal proceso productivo y exportador agrofrutícola 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 $1,625 helped Nancy to buy oils, beverages, pastries, undergarments, knitted items, and T-shirts.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 15, 2012
Listed
Jul 15, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012