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Norma
Forma forms part of the Communal Bank "Los Luceros" (The Shining Stats) belonging to the Padre Las Casas county in the Temuco commune. She has dedicated herself to selling fast food for the past five years. She performs her work Monday to Sunday from 11 AM to 12 AM at night. She has a lot of clients to whom she offers barbecued meat, full meals, french friends, ice cream, and drinks. Sometimes she works with the help of her daughter. She adapted a space in her house to sell the fast food.

The merchandise and ingredients she needs are used at various butcher shops, supermarkets, and at fairs where she finds potatoes at a low cost, which is economically convenient. With this loan she will buy potatoes and flour.

One of Norma's goals is to have the possibility of obtaining a larger location with more space to put her machines and better attend to her clients.

Norma lives together with her four daughters and six granddaughters. Her dreams in regard to her work are to have a bigger business and to sell other supplies. At a familial level, she wants to provide the best for her six granddaughters and her daughters so that they have a good experience in life and a good education for their future granddaughters.

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 is grateful for her personal development there because she has learned to organized and distribute her income and investments better.

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 ↓
Norma forma parte del Banco Comunal “Los Luceros” perteneciente a la comuna de Padre las Casas, ubicada en la ciudad de Temuco.
Ella se dedica en vender comida rápida, desde hace 5 años. Se desempeña en sus funciones de lunes a domingo desde las 11ºº hasta las 00ºº horas de la noche, tiene bastante clientela donde ofrece churrascos, completos, papas fritas, helados, bebidas, algunas veces trabaja con la ayuda de sus hijas. Adapto un espacio en su casa para la venta de comida rápida.
La mercadería e insumos que va necesitando la compra en carnicerías, diferentes supermercados, y en las ferias encuentra papas a bajo costo, por lo tanto conveniente económicamente.
Con el crédito comprará papas y harina.
Una de las metas de Norma es tener la posibilidad de tener un local más grande para colocar sus maquinas con más espacio y atender de mejor manera a su clientela.
Norma vive junto a sus cuatro hijas y seis nietas. Sus sueños a nivel laboral es tener su negocio más grande y vender otras provisiones, y a nivel familiar darle lo mejor a sus nietas e hijas para que tengan un buen pasar por la vida y una buena educación para sus nietas en el futuro.
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.
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 Norma to buy potatoes and flour.
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