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Maria
Maria belongs to the communal bank “El Milagro” in the city of Curicó. For the past seven months, she has been selling stock from a space in her house. She works Mondays to Sundays on a flexible schedule. She sells household goods and school supplies in her shop. 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 glasses, school supplies, and a machine to cut cured beef.

One of Maria's goals is to sell dish sets in her store so that she can increase her income and enjoy a higher standard of living. Maria lives with her daughter, who helps her in the store. Regarding her business, her dream is to have an ice cream machine and more cases to display merchandise that satisfies her customers.

Maria is happy and grateful for the opportunity offered by Fondo Esperanza since it will let her invest in her business. She also feels comfortable with the other entrepreneurs in her communal bank because their different jobs and interests provide a distraction. The training provided at meetings has helped her to better manage her business.

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 ↓
Maria forma parte del Banco Comunal “El Milagro” perteneciente a la ciudad de Curicó.
Ella se dedica al rubro de venta de almacén, desde hace 7 meses. Comenta que habilito un espacio de su casa para hacer su negocio, trabaja de lunes a domingo y su horario lo distribuye de acuerdo a su disponibilidad. En su almacén vende productos para la casa, hogar y escolares.
La mercadería e insumos que va necesitando para su almacén la compra en supermercados, distribuidoras a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará vasos, articulos escolares y una máquina para cortar cecinas.
Una de las metas de Maria es agregar venta de completos en su mismo almacén, así con esto generar mayores ingresos y optar a una mejor calidad de vida.
Maria vive junto a su hija, quien le ayuda con las ventas de su almacén. Sus sueños a nivel laboral es tener una maquina de helados y mas vitrinas para mostrar su mercadería y que su clientela este satisfecha al momento de comprar.
Ella está muy contenta y agradecida 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, lo cual le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
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 $875 helped Maria to buy glasses, school supplies, and a machine to cut cured beef.
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