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Maria Angelica
María Angélica is part of Pequeño Emprendedor Communal Bank in the town of Puente Alto, located in the city of Santiago. She has made a living for three years with a general store. She says she works at home, where she fixed up a space to serve her customers. She works Tuesday through Sunday and arranges her schedule according to her availability. She buys her merchandise from distribution companies that specialize in selling food at low cost, so it's financially advantageous.

With the loan she's going to buy merchandise such as flour, sugar, tea, rice, beverages, and dairy products.

One of María Angélica's goals is to grow with her store and to have a convenience store to earn more income and to have a better quality of life.

María Angélica lives with her daughter and her grandson, age 8. Her dream for her family is to have her own house so she and her daughter and grandson can have a good quality of life.

She's very grateful for and happy about this opportunity from Fondo Esperanza because it has allowed her to invest in her business. In addition, she's comfortable with the other entrepreneurs in her communal bank group because they communicate well and share various activities and interests, which also has served as a distraction. With regard to the training that's given in the meetings, she has learned to better manage her business.

The Puente Alto community is located to the north of Santiago, the capital of Chile. It was founded at the end of the nineteenth century as a small rural community, but given its demographic growth, currently it's one of the biggest municipalities in Chile, with a population of more than 600,000. It's the gateway to one of the foothill areas of the metropolitan region known as Cajón del Maipó, an area with space for walking, horseback riding, rafting, and other activities and lodging and dining services.
View original language description ↓
Maria Angelica forma parte del Banco Comunal “Pequeño Emprendedor” perteneciente a la comuna de Puente Alto, ubicada en la ciudad de Santiago.
Ella se dedica a la venta de almacén desde hace 3 años. Comenta que trabaja en su casa, donde habilito un espacio dentro de su casa para atender a su clientela, trabaja de martes a domingo y su horario lo distribuye de acuerdo a su disponibilidad.
Su mercadería la compra en distribuidoras que se especializan en vender alimentos a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará mercadería como harina, azúcar, te, arroz, bebidas y lácteos.
Una de las metas de Maria Angelica es crecer con su almacén y llegar a tener un minimarket, así con esto generar mayores ingresos y optar a una mejor calidad de vida.
Maria Angelica vive junto a su hija y su nito de 8 años de edad. Sus sueños a nivel familiar es tener su casa propia para tener junto a su hija y nieto una buna calidad de vida.
Ella está muy agradecida y contenta de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además se siente cómoda con las demás emprendedoras del grupo del Banco Comunal, ya que tienen una muy buena comunicación y comparten diferentes actividades e intereses, lo cual también le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Puente Alto es una comuna ubicada al norte de Santiago, capital de Chile. Fue fundada como un pequeño pueblo rural a fines del siglo XIX, pero dado su crecimiento demográfico es actualmente una de las comunas con mayor población de Chile, superando los 600 mil habitantes. Es la puerta de entrada a uno de los sectores precordilleranos de la región Metropolitana, conocido como el Cajón del Maipo, sector con espacios de caminatas, cabalgatas, rafting, entre otras actividades y servicios de alojamiento y alimentación.

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
  • 481.2
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Maria Angelica to buy flour, sugar, tea, rice, beverages, and dairy products.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 19, 2012
Listed
Oct 24, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 17, 2013