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Maria
Maria is part of the "El Milagro" ("The Miracle") Communal Bank in the city of Curicó.

She works in the area of clothing sales, which she has done for two years. She remarks that she works from Monday to Saturday and makes her schedule depending on her availability. Her sales specialize in adult clothing and household items like dishcloths and curtains.

She buys her merchandise from different distributors and businesses in Santiago, where she finds a great variety of quality clothing at a low cost, which makes it economically convenient.

With this loan, she will buy vests, dishcloths, sheets, undergarments, t-shirts and curtains.

One of Maria's goals is to grow and maintain her business in order to generate more income so that she can achieve a better quality of life and economic well-being for her family.

Maria lives with her 31 year-old daughter, her son-in-law, and her 7 year-old granddaughter. Her dreams on a professional level are to dedicate herself one hundred percent to her business and to serve her customers well. On a personal level, her dream is to fix her house.

She is very happy with and grateful for the opportunity offered by Fondo Esperanza, as it will allow her to invest in her business. She remarks 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. In regards to her communal bank, she remarks that they have very good communication and respect for one another.

Curicó is located in the Maule region in the country's central zone. Curicó has a Mediterranean climate considered to be one of the most pleasant in the country. It is characterized by its naturally beautiful surroundings and a culture centered around wine. Despite its growing work force, this zone continues to be, according to the last census, one of the poorest in the country.
View original language description ↓
Maria forma de parte del Banco Comunal “El Milagro” perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de venta de ropa, desde hace 2 años. Comenta que trabaja de lunes a sábado y su horario lo distribuye de acuerdo a su disponibilidad, su venta de ropa es específicamente para adultos y para la casa como paños de cocina, cortinas.
Su mercadería la compra en la ciudad de Santiago en diferentes distribuidoras y negocios donde encuentra gran variedad en ropa y calidad a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará chalecos, paños de cocina, sabanas, ropa interior, camisetas y cortinas.
Una de las metas de Maria es crecer y mantener su rubro para generar mayores ingresos, así con esto optar a una mejor calidad de vida y buen bienestar económico a su familia.
Maria vive junto a su hija de 31 años de edad, su yerno y su nieta de 7 años de edad. Sus sueños a nivel laboral es dedicarse al cien por ciento a su negocio, y darle una buena atención a su clientela, y a nivel personal arreglar su casa.
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 en éste existe muy buena comunicación y respeto.
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
  • $2,552,775
    Funds lent in using Kiva
  • 474.1
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Maria to buy vests, dishcloths, sheets, undergarments, t-shirts and curtains.
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