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Cecilia
Cecilia is a member of the “Mirando Hacia un Futuro Mejor” [Looking Towards a Better Future] communal bank in the city of Talca.
She has had a minimarket for 12 months. She says that she works from home Mondays throught Sundays and works from 8:00 a.m. until 9:00 p.m. She sells everything her customers need such as merchandise and clothes. She buys her merchandise in different supermarkets and distributors where she can find it at a low cost, so it works out financially.

With the loan, she will buy kites, clothes, sugar, tea, salt, detergent, pasta, beverages, produce, meat, chicken and hamburgers. One of Celia's goals is haveing her business full of merchandise and putting in more shelves where she can show all of her products, as stocked as possible to have more customers, generate more income and have a better quality of life.

Cecilia lives with her husband and her 15 year old son who is in school. Her dreams for work are to have a well stocked, big business and to have the equipment to be able to sell jerky. Her dreams for her personal life are to care for and maintain her business, since previously she sold merchandise as a street vendor and she was able to set up her locale in her house. Also, to have more time with her family.

She is very happy and grateful for the opportunity offered by Fondo Esperanza, since it allows her to invest in her business. In regards to the communal bank she is a member of, she remarks that there is good communication and trust there. In addition, the trainings have helped her learn new sales and accounting strategies.

Talca belongs to the Maule region, located in the central zone of the country. It is the administrative, financial and cultural center of the region, and the most important city in the Central Valley of Chile. There is a curious expression for Talca in Chile: "Talca, Paris and London". Among the stories about it are that an English person once said 'Talca looks like London" because of the the aboundant fog that frequently covers the city suring winter, giving it the appearance of the capital of the United Kingdom.
View original language description ↓
Cecilia forma parte del Banco Comunal “Mirando hacia un Futuro Mejor” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de minimarket, desde hace 12 meses. Comenta que trabaja desde su casa, de lunes a domingo y su horario de trabajo es de 8ºº horas hasta la 21ººhoras, vende de todo lo que su clientela necesite como mercadería y ropa.
Su mercadería la compra en diferentes supermercados y distribuidoras donde encuentra su mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará volantines, ropa, azúcar, te, sal, detergente, tallarines, bebidas, verduras, carne, pollo y hamburguesas.
Una de las metas de Cecilia es tener su negocio lleno de mercadería y poner más estantes donde pueda mostrar toda sus productos, lo mas surtido posible para tener más clientela, para generar mayores ingresos así con esto optar a una mejor calidad de vida.
Cecilia vive junto a su esposo y su hijo de 15 años de edad, quien se encuentra estudiando. Sus sueños a nivel laboral es tener su negocio grande, surtido y poner otro tipo de maquinas para su mercadería en cecinas, y a nivel personal cuidar y mantener su negocio, ya que anteriormente vendía su mercadería en la calle y logro tener su local en su casa, además pasa más tiempo con su familia.
Ella se encuentra muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Respecto al grupo del Banco Comunal del cual forma parte, comenta que en éste existe muy buena comunicación y confianza. Por otro lado las capacitaciones le han servido para aprender nuevas estrategias de venta y contabilidad.
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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,552,775
    Funds lent in using Kiva
  • 485.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Cecilia to buy kites, clothes, sugar, tea, salt, detergent, pasta, beverages, produce, meat, chicken and hamburgers.
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