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Laura
Laura is part of Mirando hacia un Futuro Mejor Communal Bank in the city of Talca. For 10 years she has worked in the area of sales stalls (kiosks) and bakeries (sopaipillas; tortillas; and cheese, shellfish, and ground beef and onion empanadas).

Laura works every day from 6 in the morning until 12 midnight. She works at home and sometimes in the markets because she has people working in her stalls. She buys her merchandise in various supermarkets, distributors, and shops where she finds flour at low cost, which is economically advantageous.

With the loan she will buy dough, flour, oil, meat, cheese, and olives.

One of Laura's business goals is to get ahead with her business, giving work to people who need it. Thanks to starting her business she managed to buy a truck with which she goes out to deliver or buy her empanadas. She bought a plot of land where she installed her place, which has brought great satisfaction to her family life and her working life.

Laura lives with her husband and her 20-year-old son who works. Her personal dream is to be able to travel. Her family dream is for those around her to have a good life and be healthy, to continue giving work to those who need it, and to be able to exchange the truck so her daughter can drive it to deliver empanadas.

She is very happy about and grateful for the help and support offered by Fondo Esperanza because it has allowed her to invest in her business. She also comments that she feels good in the company of the other entrepreneurs of the communal bank group because they share various activities and interests. With regard to the trainings offered in the meetings, she has learned to better manage her business.

Talca is in the Maule region, located in the central part of the country. It is the administrative, economic, and cultural center of the region, being the most important city in the Central Valley of Chile. There is a curious allusion to Talca in Chile, the expression "Talca, Paris, and London." Among the many myths about the matter, some say that it derives from something an English person once said, "Talca looks like London" [Spanish "parece" 'looks like' and "París" 'Paris' sound alike] because of the abundant fog that frequently covers the city in the winter season, similar to the capital of the United Kingdom.
View original language description ↓
Laura forma parte del Banco Comunal “Mirando hacia un Futuro Mejor” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de puestos varios (kiosko) y amasandería (sopaipillas, tortillas, empanadas de queso, mariscos y pino), desde hace 10 años. Laura se desempeña en sus labores de lunes a lunes desde las 06ºº de la mañana hasta las 24ºº horas de la noche, trabaja en su casa y algunas veces en la feria ya que tiene gente trabajando en sus puestos.
Su mercadería la compra en diferentes supermercados, distribuidoras y bodegas donde encuentra la harina a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará masas, harina, aceites, carne, queso, aceitunas.
Una de las metas de Laura en su negocio, son seguir adelante con el negocio, darle trabajo a gente que necesite, gracias al inicio de su negocio pudo comprar una camioneta donde salía a repartir o comprar sus empanadas, compró un terreno donde pudo instalar su local que le ha traído mucha satisfacción en su vida familiar y laboral.
Laura vive junto a su esposo y su hijo de 20 años de edad quien se encuentra trabajando. Sus sueños a nivel personal es poder viajar, y a nivel familiar tener una buena vida y salud para la gente que está a su alrededor, y seguir dando trabajo a personas que lo necesiten, y tener la posibilidad de cambiar la camioneta para que la trabaje su hijo en la repartición de empanadas.
Ella está muy contenta y agradecida de la ayuda y apoyo brindado por Fondo Esperanza, ya que le ha permitido invertir en su negocio. Ademas comenta que se siente muy bien con la compañía de las demás emprendedoras del grupo del Banco Comunal, ya que comparten diferentes actividades e intereses. 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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 485.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Laura to buy dough, flour, oil, meat, cheese, and olives.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 10, 2012
Listed
Aug 28, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013