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Maria Elena
Maria belongs to the "Los Luceros [Bright Stars]" Communal Bank, in the town of Padre las Casas in the city of Temuco. She has made a living in her beauty salon for thirteen years. She took specialized courses, which allowed her to perfect her skills and start her business, specifically cutting, styling, and coloring hair. Now she's adding hair-removal services in response to client demand. She works in a rented shop seven days a week from 2PM until 10PM. Mornings she sells handbags and leather jackets at various businesses.

She buys the merchandise and supplies she needs in the city of Santiago from different distributors and shops that specialize in hair products.

Maria plans to use her loan to buy hair-styling products, a pot, and a table for hair-removal. One of her goals is to be able to buy the shop she now rents and be the owner of her own salon. That way she'll generate more income to provide for the financial well-being of her family.

Maria lives with her husband, a twenty-four-year-old son who goes to the university, and a thirteen-year-old daughter who's in school. Maria's professional dreams include being able to buy the shop so she can expand her business. She is very glad and appreciative of the opportunity given to her by Fondo Esperanza because it will allow her to invest in her business. She says there's really good communication within her communal bank, and the training has served to teach her new sales and accounting strategies.

Padre las Casa is a town in the south of Chile, near the city of Temuco in the Araucanía region. It was named in honor of the Spanish priest Bartolomé de las Casa, who defended the indigenous people during the conquest of America. There is a heavy Mapuche population in this area, and the economy is based on agro-industry and commercial services.
View original language description ↓
Maria forma parte del Banco Comunal “Los Luceros” perteneciente a la comuna Padre las Casas. Ubicada en la ciudad de Temuco.
Ella se dedica al rubro de la peluquería, desde hace 13 años. Realizó cursos de especialización, lo que permitió perfeccionarse y emprender en su negocio. Específicamente en corte de pelo, peinados y tinturas, ahora agregara depilación ya que se lo han solicitado sus clientelas, trabaja en un local que arrienda de lunes a domingos desde las 14ºº horas hasta las 22ºº horas, durante la mañana se dedica a vender carteras y chaquetas de cuero en diferentes empresas.
La mercadería e insumos que va necesitando los compra en la ciudad de Santiago en diferentes distribuidoras y locales que se especializan en vender productos para el cabello.
Con el crédito comprará productos de peluqueria, una olla y camilla para realizar depilaciones.
Una de las metas de Maria es poder comprar el local que arrienda y ser propietaria de su propio local de peluquería, y así generar mayores ingresos para brindarle un buen bienestar económico a su familia.
Maria vive junto a su esposo, un hijo de 24 años de edad, quien se encuentra en la Universidad y una hija de 13 años de edad, quien se encuentra estudiando en el colegio. Sus sueños a nivel laboral es poder comprar el local que arrienda para poder agrandar su negocio.
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 Banco Comunal 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.
Padre Las Casas es una comuna del sur de Chile, cercana a la ciudad de Temuco, región de la Araucanía. Su nombre le fue dado en honor al sacerdote español Bartolomé de Las Casas, quien fue un defensor de los indígenas durante la conquista de América. Destaca una numerosa población mapuche en esta comuna. Basa su economía en la agroindustria y servicios comerciales.

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

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 478.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Maria Elena to buy hair-styling products, a pot, and a table for doing hair-removal.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Nov 23, 2012
Listed
Nov 22, 2012
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2013