A loan of $3,425 helped a member to purchase potatoes, oil and construction materials.


Frutos De Vida Group's story

This communal bank of 14 members is called “Frutos de Vida.” This is the second time that the Group has a loan published on Kiva. The members are from the city of Temuco (see below **) and dedicate themselves to the sale of various goods such as used clothing, fast food (hot dogs, French fries, and empanadas), charcoal, firewood, dry food goods (like rice and pasta), desserts, metals, recycled goods, and the production and sale of spurs.


The group’s treasurer, Jessica, was interviewed for this profile. In the picture she is seated in the first row wearing a white sweater.


Jessica prepares and sells fast food. Her mother, María Magdalena, who is also part of the bank and is as the group’s president, helps her with this business. They sell by special order and home-delivery.They are currently completing construction of a kiosk in their home from which they will sell the food they prepare.


Jessica and María Magdalena will invest this loan in potatoes, oil, and materials to finish the interior of the kiosk; if they have extra money left over they will save it and use it to cover the other expenses they may have when they open the kiosk for business, like a display case for the food, “window protection” (which refers to iron bars people often put up on the windows of their kiosks to dissuade thieves), and promotion of the business.


Jessica’s goal is to get her water and energy bills paid off, to arrange her teeth, and to treat a back pain provoked by a deviated disk. Her motivations are her two children, who are 12 and 1.


Jessica has enjoyed working with Fondo Esperanza, especially the fact that the bank meetings are a good distraction and allow her to interact with other people which keeps her in good spirits. For Jessica, the loans are a great help and they give her hope to advance her business, as the income from it is her family’s primary support.


** Temuco is the capital of the Araucanía region. It is located 670 km south of Santiago (the capital of Chile) and possesses a series of lake-side spa resorts and striking native flora and fauna. This region is also noteworthy for being the region where 50% of Chile's existing indigenous Mapuche community lives; some of whom are members of Fondo Esperanza communal banks.

In this group: María Magdalena, Silvia, Patricia, Andrea, Cecilia, Elizabeth, Yessica, Mónica, Celso, Juan, Didier, Sandra, Karina, Pamela



Loan details


Lenders and lending teams



Loan details