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Yeny
Yeny belongs to the communal bank “El Milagro” in the city of Curicó. For the past 8 years on Mondays to Sundays from 9 a.m. to 10 p.m., she has been selling general merchandise and milk products from a space in her house. She must purchase the merchandise from supermarkets and dealers where she finds low prices that make her business economically feasible. She will use the loan to buy cigarettes, beverages, detergent, rice, sugar, and tea.

One of Yeny's goals is to sell fruits and vegetables from her shop, thereby generating more income and a higher standard of living. Yeny lives with her parents, husband, and two children ages 12 and 6. Regarding her business, her dream is to keep growing and stocking more merchandise. Her dream for her family is to provide her children with a good education so that they will go to college.

Yeny is happy and grateful for the opportunity offered by Fondo Esperanza since it will let her invest in her business. She says the training has been fundamental to her business and personal development, and she has learned how to better manage her income and investments. She says that her communal bank members are responsible and united.

Curicó is located in the Maule region in the center of the country. Curicó's Mediterranean-style climate is one of the nicest in the country. The city is known for its wine making and beautiful surroundings. Despite the fact that the labor force has increased, according to the latest census, the area continues to be one of the country's poorest.
View original language description ↓
Yeny forma parte del Banco Comunal “El Milagro” perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de venta de bazar, desde hace 8 años. Se desempeña en su rubro de lunes a domingo de 9ºº a 22ºº horas, tiene su bazar ubicado en un espacio que adapto en su casa. Se dedica a vender productos lácteos, mercadería en general.
La mercadería que va necesitando la compra en diferentes supermercados y distribuidoras donde encuentra mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará cigarros, bebidas y mercadería como detergente, arroz, azúcar, te.
Una de las metas de Yeny es tener una verdulería dentro de su bazar, para generar mayores ingresos, así con esto optar a una mejor calidad de vida.
Yeny vive junto a sus padres, marido y dos hijos de 12 y 6 años de edad. Sus sueños a nivel laboral seguir creciendo y abastecerse de mas mercadería, y a nivel familiar darle una buena educación a sus hijas para que lleguen a la universidad.
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. Respecto al grupo del Banco Comunal del cual forma parte, comenta que es muy responsable y unido.
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

  • $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 $675 helped Yeny to buy merchandise such as cigarettes, beverages, detergent, rice, sugar, and tea.
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:
Mar 15, 2013