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Fabiola
Fabila is part of the Communal Bank, “My Dreams,” which is in the city of Talca.

She had been working in agriculture (agricultural activities which lead to the production of food and the reaping of vegetables, fruit, garden produce, and cereal) since she was 15 years old. She says she works especially with lettuce, onions, tomatoes, and peppers. She works from home and her schedule depends on her availability.

She tells us that she gets her goods from seed and agricultural distributors at a low price, based on what she can afford.
With the loan she will buy fertilizer, liquid biofertilizers, and pepper seeds.

One of Fabiola’s goals is to grow each day and to see what she earns with her vegetable sales, and in that way she hopes to gain a better quality of life.
Fabiola lives with her husband and her two children, who are 13 and 10 years old and who are currently in school. Her professional dream is to become a micro-entrepreneur and her personal dream is to have more resources in her home, since the children are growing and, as they do so, so is the need to give them what’s best and to see that they finish their studies and make sure their homework is completed.

She is very happy and grateful for the opportunity that Fondo Esperanza (“Hope Fund”) has given her, since the loan will allow her to invest in her business. On top of that, she feels comfortable being part of the communal bank, which motivates her to continue participating in the organization. She says that on top of that, the training they give her in the meetings has helped her invest better in her business.

Talca belongs to the Maule region, which is located in the central area of the country. It is the administrative, economic, and cultural hub of the region, being the most important city in the central Chilean valley. In Chile, there is a funny phrase about Talca, the phrase, “Talca, Paris, and London.” Regarding that, some people say that it derives from the original saying in English, “Talca looks like London,” because of the abundant fog that frequently covers the city during the summer season in a similar way to the United Kingdom.
View original language description ↓
Fabiola forma parte del Banco Comunal “Mis Sueños” perteneciente a la ciudad de Talca.
Ella se dedica al rubro de la agricultura (actividades agrícolas destinadas a la producción de alimentos y a la obtención de verduras, frutas, hortalizas y cereales) desde hace 15 años. Comenta que trabaja específicamente lechugas, cebollas, tomates y pepinos, trabaja desde su casa y su horario lo distribuye de acuerdo a su disponibilidad.
Comenta que sus insumos los compra en distribuidoras de semillas y distribuidoras de articulos de agricultura a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará abono, líquidos biofertilizantes y semillas de pepino.
Una de las metas de Fabiola es crecer dia a dia y ver las ganancias que va recibiendo con sus ventas de verduras, y así con esto optar a una mejor calidad de vida.
Fabiola vive junto a su esposo y dos hijos de 13 y 10 años. Quienes se encuentran estudiando. Sus sueños a nivel laboral es surgir como microempresaria y a nivel familiar contar con más recursos en el hogar, porque los hijos van creciendo y a al mismo tiempo crece la necesidad de darles un buen pasar y ver que terminen de estudiar para ver su tarea cumplida.
Ella está muy contenta y agradecida de la oportunidad brindada por Fondo Esperanza, ya que el crédito le permitirá invertir en su negocio. Además se siente cómoda con el grupo del Banco Comunal del cual forma parte, lo cual la motiva a seguir participando en la institución. Comenta además que las capacitaciones impartidas en las reuniones le han servido para invertir mejor en su negocio.
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
  • $2,587,775
    Funds lent in using Kiva
  • 484.5
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Fabiola to buy fertilizer, liquid biofertilizers, and pepper seeds.
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