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Maria
Maria is part of the Mis Sueños (My Dreams) communal bank in the city of Talca. For ten years she has made a living in the field of baking and selling fried food, especially empanadas, tortillas, bread, sopaipillas, hot dogs with salads, and french fries. She sells her products and customers come to her home to buy and sometimes they advise her to deliver her products to stores. She equipped a place in her house to better tend to her customers. She works from Monday to Saturday and she sets her schedule according to her availability. She says that the goods and supplies that she is going to need she buys directly from supermarkets and/or distributers, since they are the places in which she finds the merchandise at low cost, therefore financially convenient.

With the loan she is going to buy oil, lard, yeast, flour, potatoes, ketchup, salt, and napkins, among other items. One of Maria's goals is to get a vehicle so that she can travel more comfortably and at the same time buy her merchandise without worrying how she is going to carry it, in addition to it allowing her to escape the heat in the summer season.

Maria lives with her 14-year-old daughter who is in school. Her work and personal dreams are to get a vehicle in order to buy more easily, and at a family level her dream is to give her daughter a good life and a good future in school. She is very grateful and happy for the opportunity offered by Fondo Esperanza because it opened a working door to her and will allow her to invest in her business and also in her personal growth since she has learned to organize and distribute her income and investments in a better way. In regard to the communal bank that she is part of, she says that very good communication and unity exists within it.

Talca belongs to the region of Maule, located in the center area of the country. It is the administrative, economic, and cultural center of the region, being the most important city in the Chilean Central Valley. There exists peculiar reference to Talca in Chile: the phrase "Talca, Paris, London." Among the myths on this matter, some say that is a derivation of what was originally said by an Englishman, "Talca looks like London," for the abundant fog that frequently covers the city in the winter season, similarly to the capital of the United Kingdom.
View original language description ↓
Maria forma parte del Banco Comunal “Mis Sueños” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de la amasandería y venta de frituras, específicamente a empanadas, tortillas, pan, sopaipillas, completos, papas fritas, desde hace 10 años. Ella ofrece sus productos y sus clientes llegan a su domicilio a comprar y algunas veces se dirige ella a entregar sus productos a los almacenes, habilitó un lugar en su casa para una mejor atención a su clientela, trabaja de lunes a sábado y su horario lo distribuye de acuerdo a su disponibilidad.
Comenta que la mercadería e insumos que va necesitando los compra directamente en supermercados y/o distribuidoras, ya que son lugares en los cuales encuentra su mercadería a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará aceite, grasa, levaduras, harina, papas, kétchup, sal, servilletas, entre otros.
Una de las metas de Maria es obtener un vehículo para poder desplazarse más cómodamente y a la vez comprar su mercadería y no preocuparse de cómo llevársela, además le serviría para la temporada de verano evitando el calor.
Maria vive junto a su hija de 14 años de edad, quien se encuentra estudiando. Sus sueños a nivel laboral y personal es obtener su vehículo para comprar mas cómodamente y a nivel familiar darle un buen pasar a su hija y un buen futuro escolar.
Ella está muy agradecida y contenta de la oportunidad brindada por Fondo Esperanza, ya que le abrió una puerta laboral y le permitirá invertir en 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 Banco Comunal que forma parte, comenta que en éste existe muy buena comunicación y unidad.
Talca pertenece a la región del Maule, ubicada en la zona centro del país. Constituye el centro administrativo, económico y cultural de la región, siendo la ciudad más importante del Valle Central chileno. Sobre Talca existe una curiosa referencia en Chile, la frase "Talca, París, y Londres". Entre los mitos al respecto, algunos dicen que es una derivación de la originalmente dicha por un inglés "Talca parece Londres", por la abundante neblina que cubre frecuentemente la ciudad en la temporada invernal, a semejanza de la capital del Reino Unido.





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
  • 484.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Maria to buy oil, lard, yeast, flour, potatoes, ketchup, salt, and napkins, among other items.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 8, 2012
Listed
Nov 16, 2012
Currency Exchange Loss:
Possible
Ended:
May 17, 2013