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Myriam
Myriam forms part of the Communal Bank "Los Luceros" (The Bright Stars) in the Padres Las Casas county in the Temuco commune. She has dedicated herself to the sale of animals for the past six years. She says she works in the field, raising and selling animals like hens, pigs, lambs, and chicken. She works every day and makes her schedule according to her availability. She sells her animals at fairs and sometimes to neighbors she knows well.

She will soon need the animals which she buys at fairs that specialize in animal sales. She buys them in auctions at low costs, therefore it is economically convenient. She will use this loan to to buy chicken, pigs, and chancado (processed, flattened grains that comes in sheets, making them apt for animal supplies)

One of Myriam's goals is to continue in her field and take advantage of the field which she has to cultivate and care for her fruit trees. This is how she opts for a better quality of life.

Myriam lives together with her partner. Her dreams at in regard to laor are to care for the field and cultivate vegetables to produce more sales. She is so content and grateful for the opportunities which Fondo Esperanza has provided her that she has allowed them to invest in her company. Furthermore, she feels very comfortable with the company of the other entrepreneurs in the Communal Bank group. They share different activities and interests which have served them as hobbies.

In respect to the training she has received when they get together, she has learned to better administer her business. Padre Las Cases is a county in the south of Chile, near the city of Temuco, in the Araucanía region. Its name honors the Spanish priest Bartolomé de Las Casas, who defended indigenous people during the American conquest. It stands out for the large Mapuche population in the county. Its economy is based in the agricultural industry and in commercial services.
View original language description ↓
Myriam forma parte del Banco Comunal “Los Luceros” pertenecientes a la comuna de Padre las casas, ubicada en la ciudad de Temuco.
Ella se dedica a la venta de animales, desde hace 6 años. Comenta que trabaja en su campo, criando y vendiendo animales como gallinas, cerdos, corderos y pollos, trabaja todos los días y su horario lo distribuye de acuerdo a su disponibilidad, vende sus animales en ferias y algunas veces a sus vecinos de confianza.
La mercadería que va necesitando en cuanto a animales los compra en ferias que se especializan en vender animales, en remates a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará pollos, cerdos y chancado ( El chancado es un proceso mecánico de aplastamiento de los granos de cereales para transformarlos en hojuelas para que sean aptos para el suministro animal).
Una de las metas de Myriam es seguir con el rubro y a la vez aprovechar el campo que posee para cultivar y cuidar sus árboles frutales, así con esto optar a una mejor calidad de vida.
Myriam vive junto su pareja. Sus sueños a nivel laboral es cuidar su campo y cultivar verduras para producir más ventas.
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 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.
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
  • $2,587,775
    Funds lent in using Kiva
  • 478.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,625 helped Myriam to buy chicken, pigs, and chancado (processed, flattened grains that comes in sheets, making them apt for animal supplies).
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