Ana lives in the La Pintana community in Santiago. She sells athletic clothing and a wide variety of perfume. All her products are international brands. She has been selling her merchandise on order for two years, going to other areas as well as her own community. She works from home from Monday through Sunday and she has her steady customers. She acquires her products in the outlet stores at low cost or wholesale, which allows her to sell them for a good price.
She's using her loan to increase her stock and acquire more variety of clothing and to stock her perfumes.
Her goal is to have a fixed location for selling her products and later she hopes to get her own place.
Ana's principal reason for maintaining her business is her family. She's married and lives with her five children and a grandchild.
She says she likes to work with Fondo Esperanza because she has managed to be independent, she manages her time, and it allows her to have space and dedication for her family.
La Pintana is a community located in the south of Santiago (the capital of Chile), in the Metropolitan Region. It's known for being a community with a high poverty rate, where more than 10 percent of the residents live in poverty. Because of this, the local authority (the town) has taken care to develop various social programs that focus on improving the quality of life of the residents.
Ana pertenece a la comuna de La Pintana en Santiago, vende ropa deportiva y gran variedad de perfumes, todos sus productos son de marca internacional, hace dos años que comercializa su mercadería a pedido, abarcando otros sectores a parte de su comuna, trabaja desde su casa de lunes a domingo y tiene su clientela fija.
Adquiere sus productos en los Outlet, a bajo costo o precio mayorista, por lo que le permite ofrecerlos a buen precio.
Utiliza su préstamo para aumentar su stock y adquirir más variedad de ropa y surtir sus perfumes.
Su meta es tener un puesto fijo donde comercialice sus productos y posteriormente aspira a poseer un local propio.
Para Ana su principal motivación para mantener su negocio es su familia, es casada, vive con sus 5 hijos y un nieto.
Le gusta trabajar con Fondo Esperanza porque ha logrado ser independiente, maneja su tiempo y le permite tener espacio y dedicación a su familia.
La Pintana es una comuna ubicada al sur de Santiago (capital de Chile), en la región Metropolitana. Se caracteriza por ser una comuna con altos índices de pobreza, donde más de un 10 por ciento de los habitantes vive en situación de indigencia. Por lo anterior, la autoridad local (municipalidad) se ha preocupado de desarrollar variados programas sociales enfocados a aportar al mejoramiento de la calidad de vida de sus habitantes.
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.