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Johanna
Johanna is a member of the “Las Estrellas” communal bank, in the city of Temuco. She has been in the business of selling clothing and tailoring for 10 years. She explains that she works Monday through Saturday in her shop. The classes she has taken have helped her to perfect her work. She arranges her work schedule according to her availability.

She buys her merchandise in the city of Santiago from distributors and warehouses that specialize in selling clothing at low cost, which is economically convenient.

With the loan she will buy fabrics and materials for making skirts and sheets.

One of Johanna’s goals for her business is to have the possibility of opening her own shop where she could put the sewing machines that she uses to make her clothing and sell the clothes to her customers. This way she could have a better quality of life.

Johanna lives together with her husband and their three daughters, who are 12, 8, and 3 years old. Her goals are to be a good entrepreneur, to become more knowledgeable, and to get to the point where she would have people working for her. This way she could also work in other businesses that interest her so that she could provide her family with good opportunities for the future.

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 also feels very comfortable in the company of the other members of the communal bank group because they all share their different businesses. She feels as though she is among family because of the pleasant atmosphere that exists when they all meet.

As far as the trainings at the group’s meetings, she has learned to better manage her business.

Temuco is the capital of the region of Araucanía. The city is located 670 kilometers to the south of Santiago (the capital of Chile). Near the city are several lakeside resorts (Pucón and Villarrica) and also very interesting plants and animals that are found in the nearby nature parks. This is also the region where 50% of the Mapuche people live, who are an indigenous community in our country.
View original language description ↓
Johanna forma parte del Banco Comunal “Las Estrellas” perteneciente a la ciudad de Temuco.
Ella se dedica al rubro de venta de ropa y confección, desde hace 10 años. Comenta que trabaja de lunes a sábados en su taller y los cursos que realizo la ayudo a perfeccionarse y emprender en su rubro, su horario de trabajo lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en la ciudad de Santiago en distribuidoras y bodegas que se especializan en ventas de ropa a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará específicamente telas y géneros para realizar faldas y sabanas.
Una de las metas de Johanna en su negocio, son tener la posibilidad de tener un local propio donde pueda instalar sus maquinas con las cuales confecciona y vende su ropa a su clientela, así con esto optar a una mejor calidad de vida.
Johanna vive junto a su esposo y 3 hijas de 12, 8 y 3 años de edad. Sus sueños son ser una buena emprendedora, adquirir más conocimientos y llegar a tener gente que trabaje para ella, así ella dedicarse a otros rubros que la motivan para brindarle a su familia un buen pasar a futuro.
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, y se siente en familia por el grato ambiente que hay cada vez que se reúnen.
Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile). En sus alrededores se ubican una serie de balnearios lacustres (Pucón, Villarrica) y una flora y fauna nativa muy llamativas, concentrada en parques naturales cercanos. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro 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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 498.7
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Johanna to buy fabrics and materials for making skirts and sheets.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 25, 2012
Listed
Jul 15, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012