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Maria Clementina
Maria is part of the communal bank “Los Luceros”, belonging to the municipality of Padre de Las Casas, situated in the city of Temuco.

She has made a living through heading a hairdressing salon for six years. She comments that she works at home from Monday through Saturday, and that her schedule is distributed according to her availability. She specifically cuts, styles, and dyes hair.

She buys her merchandise in a distributor that specializes in the sale of beauty products. Furthermore, she will sell coffee. With the loan she will buy hair stripper, oxidant, dye and coffee.

One of Maria’s goals is to continue hairdressing and selling coffee to her clientele, and therefore generate a higher income to give her family good economic well-being and aim for a better quality of life.

Maria lives with her husband and two children aged 23 and 17 who are studying. Many of her dreams are at a personal, family, and work level, but what she wishes for most is to give a good education to her children so that they have a stable profession.

She is very happy and appreciative of the opportunity that Fondo Esperanza has provided her since it has permitted her to invest in her business.
Furthermore, she feels very comfortable in the company of the rest of the entrepreneurs of the group of the communal bank, since they share different activities and interests, which also have served her as moments of distraction. With respect to the training imparted in the meetings, she has learned the best way to manage her business.

Padre Las Casas is a municipality in the south of Chile, neighboring the city of Temuco in the Araucanía region. Its name was given in honor of the Spanish priest Bartolomé de Las Casas, who was a defender of the native peoples during the conquest of America. This community features a large Mapuche population. Its economy is based on agroindustry and commercial services.
View original language description ↓
Maria forma parte del Banco Comunal “Los Luceros” perteneciente a la comuna de Padre las Casas, ubicada en la ciudad de Temuco.
Ella se dedica al rubro de la peluquería, desde hace 6 años. Comenta que trabaja a domicilio de lunes a sábado y su horario lo distribuye de acuerdo a su disponibilidad, realiza específicamente corte de pelo, peinados y tinturas.
Su mercadería la compra en una distribuidora que se especializa en vender productos de belleza. Ademas realizara venta de café.
Con el crédito comprará descolorante, oxidante,tinturas y café.
Una de las metas de Maria es continuar con el rubro de peluquería y vender café a su clientela, así con esto generar mayores ingresos para darle un buen bienestar económico a su familia y optar a una mejor calidad de vida.
Maria vive junto a su esposo y dos hijos de 23 y 17 años de edad, quienes se encuentran estudiando. Sus sueños son muchos a nivel personal, familiar y laboral, pero el que más desea es darles una buena educación a sus hijos para que tengan una profesión estable.
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, 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.
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

  • $14,900
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,552,775
    Funds lent in using Kiva
  • 478.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,625 helped Maria Clementina to buy hair color stripper, oxidant, dyes, and coffee.
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