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Sandra
Sandra belongs to the communal bank “El Milagro” in the city of Curicó. For the past three years, she has been selling used and new clothing for all ages at open-air markets four days a week from 9:00 a.m. until 4:00 p.m and all day on Sundays. She must purchase the merchandise from importers in Santiago where she finds bulk clothing at low prices that make her business economically feasible. She will use the loan to buy bulk clothing for the summer season.

One of Sandra's goals is to have her own business where she can offer her clients less hectic service, show her merchandise to better advantage, and generate more income for her family. Sandra lives with her husband and six-year-old son. Regarding her business, her dream is to have an established shop. Her dream for her family is to provide for her son and give him an excellent education.

Sandra is happy and grateful for the opportunity offered by Fondo Esperanza since it will let her invest in her business. She says the communication in her group is very good. The training has helped her learn new sales and accounting strategies.

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 ↓
Sandra forma parte del Banco Comunal “El Milagro” perteneciente s la ciudad de Curicó.
Ella se dedica al rubro de venta de ropa usada y nueva para todo tipos de personas y edades, desde hace 3 años. Se desempeña en su rubro en feria libres trabajando cuatro días de la semana de 9ºº a 16ºº horas y los domingos todo el dia.
La mercadería que va necesitando para su negocio la compra en la ciudad de Santiago en importadoras donde encuentra la ropa por fardos a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará fardos de ropa para la temporada de verano.
Una de las metas de Sandra es tener un negocio propio donde pueda atender a su clientela de manera más tranquila y mostrar toda su mercadería para una buena venta, y a la vez generar mayores ingresos para la familia.
Sandra vive junto a su marido y su hijo de 6 años de edad. Sus sueños a nivel laboral es tener un local establecido, y a nivel familiar darle un buen pasar a su hijo y un excelente futuro en los estudios.
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 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

  • $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 $850 helped Sandra to buy bulk clothing for the summer season.
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