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Marcia
Marcia is part of the “Esperanza Requinoa” communal bank, in the city of Rancagua. She has had a hair styling salon and variety shop for 20 years. She explains that she works from home, Monday through Sunday, from 9:00AM until 8:00PM. In her salon she takes care of her salon-related duties, which specifically are cutting, styling, and dyeing hair. In her variety shop she sells clothing for adults and children and some perfumes that her customers have requested.

She buys her merchandise from distributors in Santiago that specialize in selling hair products, perfumes, and clothing because of their large variety and their low cost, which makes them economically convenient.

With the loan, she will buy hair dyes, liquids, permanents, gloves, jackets, shirts, and sweaters to stock her business.

Marcia’s goals for her business are to expand her store and to stock it with a large quantity of perfume and clothing items. In her salon she would live to add a hair removal machine.

Marcia lives with her husband and 2 children who are studying. Her dreams for her family are to provide them with economic stability and for her children to finish their studies so they can become great professionals in the future. Her dream for her work is to expand the store that she already has in her house.

She is very happy and grateful for the opportunity that Fondo Esperanza has provided her because it has allowed her to invest in her business. She is also very comfortable in the company of the other entrepreneurs in the communal bank group because they all share their different businesses and interests.

Rancagua belongs to the Libertador Bernardo O’Higgens region. It is a modern city that processes the majority of the fruit and wine grape production and export in Chile. It’s also a mining city because the nearby mountains have the largest mine in the world, the “Lieutenant” mine, which has 4,500 kilometers of tunnels.
View original language description ↓
Marcia forma parte del Banco Comunal “Esperanza Requinoa” perteneciente a la ciudad de Rancagua.
Ella se dedica al rubro de peluquería y bazar, desde hace 20 años. Comenta que trabaja desde su casa de lunes a domingo desde las 9ºº hasta las 20ºº horas. Se desempeña en sus labores de peluquería específicamente en corte de pelo, peinados y tinturas y en la parte de bazar vende ropa para grandes y chicos, y algunos perfumes que su clientela le ha solicitado.
Su mercadería la compra en distribuidoras que se especializan en vender productos para el cabello, perfumerías, y la ropa la compra en la ciudad de Santiago por la gran variedad y a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará tinturas, líquidos, permanentes, guantes, chaquetas, camisetas, buzos, para abastecer su negocio.
Una de las metas de Marcia en su negocio, son ampliar su local y surtirlo con gran cantidad de artículos en perfumes y ropa, y en la parte de peluquería agregar una maquina depiladora.
Marcia vive junto a su esposo y 2 hijos quienes se encuentran estudiando. Sus sueños a nivel familiar son darle una estabilidad económica y que sus hijos termine sus estudios y a futuro sean grandes profesionales, y a nivel laboral agrandar su local que ya tiene establecido en su casa.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en negocio. Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo del Banco Comunal, ya que comparten diferentes actividades, intereses.
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
  • $2,587,775
    Funds lent in using Kiva
  • 496.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Marcia tp buy hair dyes, liquids, permanents, gloves, jackets, shirts, and sweaters.
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