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Ines
Inés is part of the "Forjadoras de Sueños" ("Dream Shapers") Communal Bank in the city of Rancagua.

She has run a mini-market for six years. She explains that she works in her house, where she adapted a space to set up her business. She works from Monday through Sunday from 9:00 to 1:00 in the morning. Sometimes she closes later when her customers stay late to play on the machines she has set up at her business.

She buys the merchandise and ingredients she needs to stock her business from supermarkets, dairy and sausage sellers, and low-cost beverage distributors, which are economically convenient.

With this loan, she will buy merchandise, specifically drinks, ice cream, sugar, tea, noodles, sausages, and yogurt.

One of Inés' goals is to move forward and to keep growing her business, since thanks to it she has the basics her family needs and has been able to advance her children's educations.

Inés lives with her husband, seven year-old twins, a 20 year-old daughter, her mother-in-law, and her mother. Her dream on a personal and family level is to go on vacation with her husband and children. She comments that it has been more than ten years since they went anywhere. On a work level, her goal is to generate more income and a stable economy for her family.

She is very happy and grateful for the opportunity offered by Fondo Esperanza, as it will allow her to invest in her business. She comments that the training workshops have been fundamental to her business as well as to her personal development, as she has learned how to better organize and distribute her income and investments.

Rancagua belongs to the Liberator Bernardo O'Higgins region. It is a modern city that regulates the primary production and export of Chilean fruit and wine. It is also a mining city thanks to its mountain range, which includes the largest subterranean mine in the world, "El Teniente," with 4,500 kilometers of tunnels.
View original language description ↓
Inés forma parte del Banco Comunal “Forjadoras de sueños” perteneciente a la ciudad de Rancagua.
Ella se dedica al rubro de minimarket, desde hace 6 años. Comenta que trabaja en su casa, adapto un lugar para poner su negocio, trabaja de lunes a domingo desde las 9ºº hasta las 01ºº de la mañana, algunas veces cierra más tarde ya que su clientela va tarde a jugar a las maquinas que tiene habilitadas en su negocio.
La mercadería e insumos que va necesitando para abastecer su negocio, los compra en supermercados, vendedores de lácteos y cecinas de marca, distribuidoras de bebidas a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará mercadería específicamente, bebidas, helados, azúcar. Te, fideos, cecinas y yogurt.
Una de las metas de Inés es salir adelante y seguir creciendo en su negocio ya que gracias a éste tiene las necesidades básicas de una familia y ha podido sacar a sus hijos adelante con los estudios.
Ines vive junto a su marido, gemelos de 7 años de edad, una hija de 20 años de edad, du suegra y su madre. Sus sueños a nivel personal y familiar es salir de vacaciones con su marido e hijos, comenta que hace mas de 10 años que no sale a ninguna parte, y a nivel laboral crecer para generar mas ingresos y una estabilidad económica a su familia.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que le permitirá invertir en su negocio. Comenta que las capacitaciones han sido fundamentales para su negocio y también para su desarrollo personal, ya que ha aprendido a organizar y distribuir de mejor manera sus ingresos e inversiones.
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
  • $2,587,775
    Funds lent in using Kiva
  • 474.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ines to buy merchandise, specifically drinks, ice cream, sugar, tea, noodles, sausages, and yogurt.
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