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Teresa
Teresa is a member of the communal bank "Mirando hacia un Futuro Mejor" which belongs to the city of Talca. She has worked in the bakery business for ten years. Teresa works Monday thorough Sunday and her schedule depends on her availability, since she works on an order basis or for special events such as parties, lunches or dinners.

She buys her merchandise at the different supermarkets in the area, at low cost, which is economically convenient. She will use the loan to buy a bread dough mixer to be able to adapt to different customer requirements.

One of Teresa's goals in her business is to continue in this line of work and perfect her skills even further, so her customers are always happy and she can increase her income and lead a better lifestyle. Teresa lives with her daughter who works at a fish shop.. Her family goals are to continue growing and stay healthy to enjoy being with her daughter and enjoy life.

She is very content and grateful for the opportunity given her by the Fondo Esperanza, since it has enabled her to invest in her business. And she feels very comfortable with the other members in her communal bank since they share different activities and interests, which has helped her integrate even more in her group. Regarding the training received at the meetings, she has learned to manage her business better.

Talca belongs to the region of Maule, located in the central part of the country. It is the administrative, economic and cultural center of the región, and the most important city in the Chilean Central Valley. There is a curious saying about Talca in Chile, that says "Talca, Paris y Londres". Among the myths about this, some say it comes from an Englishman who once said "Talca parece Paris" (Talca is like London) because of the abundant fog that frequently covers the city in winter, like the capital city of the United Kingdom.
View original language description ↓
Teresa forma parte del Banco Comunal “Mirando hacia un Futuro Mejor” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de la repostería, desde hace 10 años. Teresa se desempeña en sus labores de repostería de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad, ya que trabaja de acuerdo a los pedidos o eventos que tiene que realizar como onces, comidas, almuerzos a pedido.
Su mercadería la compra en diferentes supermercados de la zona, a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará una maquina revolvedora (equipos especiales para panadería, cuya función es la de revolver la masa hasta que alcance el nivel deseado para el cliente).
Una de las metas de Teresa en su negocio, son seguir en el rubro y a la vez perfeccionarse aun más, para que su clientela siempre quede satisfecha y la vez seguir generando mayores ingresos para optar a una mejor calidad de vida.
Teresa vive junto a su hija quien trabaja en una pescadería. Sus sueños a nivel familiar son seguir creciendo y tener una buena salud para disfrutar de su hija y de la vida.
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 e intereses, lo cual le ha servido mucho para integrarse aun mas a su grupo. 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

  • $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 Teresa to buy a bread dough mixer.
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