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Maria
María is part of Mirando hacia un Futuro Mejor Communal Bank in the city of Talca. She has worked for two years in the area of jewelry and women's lingerie.

She works from Monday through Sunday, according to her availability. She sells her products in banks, schools, and hospitals, and to steady customers. She says she buys her merchandise in the city of Santiago directly from merchants who specialize in selling jewelry and women's lingerie.

With the loan she will buy a better quality and class of jewelry, which her customers have requested.

One of María's goals is to have a more stable business, to install a place where she can show her merchandise to her customers, and at the same time have a better quality of life with more income.

María lives with her husband and two children, ages 9 and 12, who are students. Her dreams for work are to have a fixed location to give her family the best and to feel fulfilled as a micro-entrepreneur.

She is very happy about and grateful for the opportunity offered by Fondo Esperanza because it will allow her to invest in her business. With regard to the communal bank group of which she is a member, she comments that they communicate well. Also, the trainings have helped her learn new sales and accounting strategies.

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 ↓
Maria forma parte del Banco Comunal “Mirando hacia un Futuro Mejor” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de joyería y venta de ropa interior de damas, desde hace 2 años. Se desempeña en sus labores de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad. Ella ofrece sus productos en bancos, colegios, hospitales y clientela fija.
Comenta que su mercadería la compra directamente en la ciudad de Santiago en comercializadoras que se especializan en vender joyas y ropa interior femenina.
Con el crédito comprará joyas de mejor calidad y categoría que le ha solicitado su clientela.
Una de las metas de Maria es tener un negocio más estable, poner un local donde pueda mostrar toda su mercadería a su clientela, y a la vez optar a una mejor calidad de vida con mayores ingresos.
Maria vive junto a su esposo y dos hijos de 9 y 12 años edad, quienes se encuentran estudiando. Sus sueños a nivel laboral son tener un local establecido para brindarle lo mejo a su familia, y ella sentirse realizada como microempresaria.
Ella está 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. 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
  • $2,587,775
    Funds lent in using Kiva
  • 485.0
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Maria to buy a better quality and class of jewelry.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 10, 2012
Listed
Sep 1, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013