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Ximena is a member of the Communal Bank "La Santiago", and is the Bank's treasurer. The bank is in the community of "Estación Central", in the city of Santiago. She has been working in business for the last 15 years, specifically selling candy, which she does from a cart outside a school. She works Monday through Friday, for several hours in the morning and afternoon. On weekends, she sells her products at the open market. She comments that her high demand season is during March and April; in the other months sales stay steady, and during the month of October they tend to decrease.

She purchases her merchandise in the "meadow" (a place with many agricultural products and distributors who supply the traders). With her loan, she will buy candy and also invest in small Chilean flags for decorating cars during patriotic holidays. Her husband makes and sells Chilean flags for the patriotic holiday season.

Her goals for her business are to have a larger cart which would allow her to stock more merchandise for her business.

Ximena lives with her husband and her three sons aged 20, 15, 12, and 3. Her dream on a personal level is to buy her own home. She is already putting together the documentation, as she wants to buy the house in which she and her family are currently living. Another of her dreams is to pay for higher education for her children, so that they may become professionals.

Ximena is very happy and grateful for the loans from Fondo Esperanze, as they have allowed her to invest in her business. In regards to the trainings held at the Communal Bank meetings, she has been able to put these into place in her business. Additionally, she also participates in several workshops for micro-entrepreneurship.

Estación Central is a community located in a central area of Santiage (the capital of Chile). The community takes its name from the Central Railway Station, which dates back to 1887 and was declared a National Monument in 1983. In its early days, this station, together with the Mapocho station, was the entrance to the capital for the Valparaíso - Santiago route, and also routes from the southern part of the country.
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Ximena integrante y tesorera del Banco comunal “La Santiago” perteneciente a la comuna de Estación Centr4al, ciudad de Santiago. Se dedica al rubro del comercio desde hace 15 años, específicamente venta de confites, estas las realiza en un carro en las afueras de un colegio. Trabaja de lunes a viernes durante algunas horas en la mañana y durante la tarde. Los fines de semana, vende sus productos en una feria libre. Comenta que la temporada de más alta demanda son durante los meses de marzo y abril, el resto de los meses las ventas se mantienen y durante el mes de octubre tienden a disminuir.
Su mercadería la compra en la vega (lugar de abundante comercio de productos del campo y distribuidoras que surten a comerciantes).
Con el crédito comprará confites y también invertirá en pequeñas banderas chilenas para adornar los autos en fiestas patrias. Su marido es quien confecciona y vende banderas chilenas para la temporada de Fiestas patrias.
Sus metas en su negocio son contar con un carro más grande, que le permita abastecer su negocio de más mercadería.
Ximena vive junto a su marido y sus cuatro hijos de 20, 15, 12 y 3 años de edad. Sus sueños a nivel personal son obtener su casa propia, para esto ya se encuentra gestionando la documentación, ya que quiere comprar la vivienda en la cual vive junto a su familia. Otro de sus sueños es costear los estudios superiores de sus hijos, para que sean profesionales.
Ximena está muy contenta y agradecida de los créditos de Fondo Esperanza, ya que le han permitido invertir en su negocio. Respecto a las capacitaciones realizadas en las reuniones del Banco comunal, estas le han permitido implementarlas en su negocio. Además paralelamente se encuentra participando de unos talleres de micro emprendimiento.
Estación Central es una comuna emplazada en el área céntrica de Santiago (capital de Chile), que debe su nombre a la Estación Central de Ferrocarriles, que data del año 1887, declarada Monumento Nacional en 1983. En sus inicios esta estación, junto con la estación Mapocho, fueron la entrada a la capital en el tramo Valparaíso - Santiago y también desde la zona sur del país.

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
  • 469.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Ximena to buy candy, and also invest in small Chilean flags for decorating cars during the patriotic holidays.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 5, 2011
Aug 26, 2011
Currency Exchange Loss:
Dec 15, 2011