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Silvia
Silvia belongs to El Milagro ('the miracle') communal bank, in the city of Curicó. She has been selling jewellery and clothes for the last two years. She says that she works at her home, but that she sometimes goes out to pander her wares from door to door. She works Mondays to Sundays and her working hours vary according to her availability. She buys her merchandise in the city of Santiago, from various distributors and importers that sell at a low price, which is advantageous for her. WIth this loan, Silvia will buy jewellery, trousers, tights, and underwear to sell. One of Silvia's goals is to remain in business, to grow each day and have enough stock to keep her customers happy and satisfied with their purchase. She lives with her husband, her 27-year-old son and two grandsons, who are 20 and 11 years old and whom she provides for. Silvia's professional dreams are to keep her business and her customers. Her personal dreams are to stay healthy so as to keep making money and improve her family's quality of life. She is very happy and grateful for the opportunity afforded to her by field partner Fondo Esperanza, since the loan will allow her to invest in her business. She says that the communal bank she belongs to has great communication between the members. Furthermore, the training dispensed there was very useful to her, as she was able to learn new sale strategies as well as accounting techniques. Curicó is located in the Maule region, at the heart of the country. The city boasts a Mediterranean climate, considered one of the balmiest in the country. Its main cultural attraction is wine; its main natural one, the wonderful surroundings. Despite the recent increase in the workforce, the region still is, according to the last census, one of the poorest in the country.
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Silvia forma parte del Banco Comunal “El Milagro” perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de venta de joyas y ropa, desde hace 2 años. Comenta que trabaja en su casa y otras veces s ella quien sale a ofrecer su mercadería a su clientela de casa en casa, se desempaña de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en la ciudad de Santiago en diferentes distribuidoras e importadoras donde encuentra su mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará joyas, pantalones, calzas, ropa interior para abastecer su negocio.
Una de las metas de Silvia es seguir en su rubro, crecer cada dia y tener un negocio bien abastecido para atender a su clientela y quede satisfecha con la compra.
Silvia vive junto a su esposo, un hijo de 27 años de edad y dos nietos de 20 y 11 años de edad, que se encuentran al cuidado de ella. Sus sueños a nivel laboral mantener su negocio y su clientela, y a nivel personal tener buena salud para seguir generando ingresos para darles una mejor calidad de vida a 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 dl 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.
Curicó se ubica en la región del Maule, zona centro del país. El clima de Curicó es de tipo mediterráneo y es considerado como uno de los más agradables del país. Se caracteriza además por su cultura en torno al vino y sus alrededores de belleza natural. A pesar de que la fuerza de trabajo se ha incrementado, esta zona sigue siendo, según el último censo, una de las más pobres del país.

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

  • $19,100
    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 $1,000 helped Silvia to buy merchandise to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 14, 2012
Listed
Oct 13, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 17, 2013