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Maria
Maria is a member of the "Forjadores de sueños" Communal Bank in the city of Rancagua.

For eight months, she has made a living selling merchandise, such as stationery and artisan products, in a general store. She makes various types of purses to sell as artisan products in her store. She works from Monday to Saturday from 9 a.m until 8 p.m. She rents a space to sell merchandise to her clients, which consists of clothing, home goods, and stationery.

She buys her merchandise in the city of Santiago from various distributors, artisan galleries, vendors and importers at a low cost, so that it is financially convenient.

With this loan she will buy scarves, earrings, studs, stationery, thread, needles, purses, and display cabinets to display her merchandise.

One of Maria's goals is to become independent and to open another store, because at the moment she works with her sister. This would bring in more income, as well as a better quality of life and help with the children's education.

Maria lives with her two children, ages 22 and 26. Her elder son is finishing his studies, and the younger one is working. Her dreams in terms of her work are to grow her business and set up a local independent shop to offer her merchandise to her clients. As for her family, her dream is to see her children working and to fulfill her duties with them.

She is very happy and grateful for the opportunity which Fondo Esperanza has given her, because it has allowed her to invest in her business. Furthermore, she feels very comfortable in the company of the other entrepreneurs of the communal bank, because they all have different activities and interests, which has allowed her to have a moment of distraction.

Rancagua is located in the region of El Libertador Bernando O'Higgins. It is a modern city which controls the most important production and exportation of produce and wine in Chile. It is also a mining city, due to the fact that the largest underground mine in the world, "El Teniente", is located in its range, with 4.500 km of tunnels.
View original language description ↓
Maria forma parte del Banco Comunal “Forjadoras de sueños” perteneciente a la ciudad de Rancagua.
Ella se dedica al rubro bazar, paquetería y artesanía, en este último rubro ella fabrica diferentes modelos de monederos para la venta en su local, desde hace 8 meses. Comenta que trabaja de lunes a sábado desde las 9ºº hasta las 20ºº horas, arrienda un local para ofrecer su mercadería surtida a su clientela, que abarca de ropa, articulos para el hogar y librería.
Su mercadería la compra en la ciudad de Santiago en diferentes distribuidoras, galerías de artesanía, comercializadoras e importadoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará pañuelos, aros, chapas, articulos de librería, hilo, agujas, billeteras, vitrinas para mostrar su mercadería.
Una de las metas de Maria es independizarse, tener otro local, ya que por el momento trabaja con su hermana, así con esto generaría mayores ingresos y una mejor calidad de vida y una ayuda para le educación de sus hijos.
Maria vive junto a sus dos hijos de 26 y 22 años de edad, el mayor esta terminando sus estudios y el menor se encuentra trabajando. Sus sueños a nivel laboral es crecer con su negocio e instalarse con un local independiente y ofrecer su mercadería a su clientela, y a nivel familiar ver a sus hijos con una profesión y ver su tarea cumplida con ellos.
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 como un momento de distracción.
Rancagua pertenece a la región del Libertador Bernardo O´Higgins. Es una moderna ciudad que regula el principal proceso productivo y exportador agrofrutícola y vitivinícola de Chile. Es también una ciudad minera, debido a que en su cordillera se encuentra la mina subterránea más grande del mundo “El Teniente”, con 4.500 km. de túneles.

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
  • 474.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Maria to buy scarves, earrings, studs, stationery, thread, needles, purses, and display cabinets to display her merchandise.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 12, 2012
Listed
Oct 13, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013