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Malvina
Malvina belongs to the communal bank “El Milagro” in the city of Curicó. For the past four years, she has been selling jams. She says she sometimes sells clothing when fruit is not in season and she can't make her jams. She works from her house on a flexible schedule. With the help of her daughter, she purchases the merchandise from supermarkets and dealers in Santiago where she finds low prices that make her business economically feasible. She will use the loan to buy jars, a stove, jar covers, and a pot to make jams.

One of Malvina's goals is to grow her business and have a separate place to sell jams so that she can help with the household expenses and her daughters' education and her family can enjoy a higher standard of living. Malvina lives with her husband and 16-year-old daughter, who is a student. Her oldest daughter is a student in Santiago. Regarding her business, her dream is to keep working and paying for her children's education. On a personal level, she would like to find work that would generate more income for her family.

Malvina is happy and grateful for the opportunity offered by Fondo Esperanza since it will let her invest in her business. She is very comfortable with the other entrepreneurs who belong to her communal bank because they have different jobs and interests that provide a distraction.

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 ↓
Malvina forma parte del Banco Comunal “El Milagro” perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de ventas de mermeladas en conserva, desde hace 4 años. Comenta que a veces se dedica a vender ropa cuando la temporada de frutas es escasa y no realiza sus mermeladas, trabaja desde su casa y su horario y días de trabajo es de acuerdo a su disponibilidad.
Su mercadería la compra en la ciudad de Santiago en distribuidoras y supermercados con la ayuda de su hija, que se encuentra viviendo en la ciudad, busca la mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará frascos, fogón, tapas de frascos y una olla para hacer las mermeladas.
Una de las metas de Malvina es surgir con su negocio, tener la posibilidad de tener un local especial para la venta de mermeladas, para ayudar con los gastos de su casa y estudios de sus hijas, así optar a una mejor calidad de vida familiar.
Malvina vive junto a su marido y su hija de 16 años de edad, quien se encuentra estudiando y la mayor se encuentra estudiando en la ciudad de Santiago. Sus sueños a nivel laboral es seguir trabajando para pagar los estudios de sus hijas, y a nivel personal tener un local de diferente rubro que genere más ingresos para la familia.
Ella está muy contenta 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 interese, lo cual también le ha servido como un momento de distracción.
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 Malvina to buy jars, a stove, jar covers, and a pot to make jams.
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