A loan of $4,300 helped a member to purchase various food and drink products for her business.


Los Girasoles Group's story

The communal bank “Los Girasoles” consists of 18 associates from the city of San Bernardo. These individual's livelihoods consist of sales including: confectionery, lingerie, chocolate, curtains, hair accessories, eggs, beans, sausages, china plates, jewelry, various fast foods and sweets.

Olga (pictured in the second row, with a blue jacket and ginger hair) is the president of this group. She operates a fast-food business (selling completos – the traditional Chilean hotdog, churrascos – lean steak sandwich, pizzas, empandadas, French fries y sopaipillas – fried dough, etc.) and drinks (alcoholic and non-alcoholic). Olga also caters for club de rayuela (a typical Chilean game) gatherings. Olga and her husband have been catering for these types of gatherings for the past three years from Thursday through Sunday.

Olga will invest her loan in merchandise and various food products and drinks for her business. Prior to running her fast-food establishment, Olga was selling clothes and Avon products as well as producing chocolates and her own embroidered curtains. Olga has three children, two grown men (20 and 16) and an 11-year-old daughter.

Olga’s goal is to finish paying her bank loan. She is motivated to work as this will not only increase her earnings but lift her spirits. Olga is also saving to refurbish her son's computer as it is no longer working. Olga enjoys working with Kiva partner, Fondo Esperanza, as the payment schedules are weekly and this helps her get out of debt swiftly. Olga has also benefited from the entrepreneurship sessions as she now knows how to invest her earnings and price her products.
San Bernardo is a city located 18km directly south of the Main Plaza of Santiago (the capital of Chile). San Bernardo’s population is mostly middle to low income workers who live in residential neighborhoods.The economy is based mainly on trade. The city also contains places of public recreation such as gyms, social clubs, restaurants, soda fountains and tea rooms.

In this group: Olga, Nancy , María , Gloria, Paola, Mariana, Katherine, Alejandra , Carolina , Yeniffer, Bernardita, María , Bernarda, Hilda, Luis, Zumilda, Clementina , Rosa



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