A loan of $875 helped materials and ingredients.

Luz's story

Luz is part of the "Rayito de Sol" (Little Ray of Sun) community bank in the city of San Bernardo. For more than 20 years, Luz has prepared and sold fast food such as empanadas, pastel de choclo (a traditional baked fresh ground corn and meat pie), Chilean kneaded bread, berlines (custard-filled pastries), ice cream and drinks from her home. She also makes deliveries. When Luz first started her business, she only sold bread baked in a wood-fired oven. Now, thanks to Fondo Esperanza and another microfinance institution she used to participated in, Luz has equipment that makes her work easier such as an industrial oven, freezer, electric mixer, and bread pans, among other things.

Luz has many loyal customers. On Fridays she sells lunches at the office where her oldest child works, and from March to December she sells berlines at various schools. In addition, she has lunch orders to prepare every weekend. With this loan Luz will fix her stove and buy materials and ingredients to cook her food products.

She lives with her husband and 3 children. All her children are older and working; none have married yet. On days when they aren't working, Luz's children help her with her cooking and deliveries.

Luz's dream is to have a bakery and store front right in her home. The loans from Fondo Esperanza have helped her business greatly, especially when her sales were low. Luz also enjoys the support of her group members and business guidance she receives from her Fondo Esperanza advisor.

San Bernardo is a city located 28 km directly south of la plaza de armas in Santiago, the capital of Chile. It's known as the folklore capital of Chile because of the International Festival of Folklore held there every January. At the festival the country's traditions are highlighted and musical groups from all over South America gather. San Bernardo also holds the Festival of Traditional Crafts, attended equally by Chilean artisans and artisans from nearby countries. In April, there is "Abril Cuecas Mil", an event where the entire community dances the cueca, a traditional Chilean dance.

Translator profile picture

Translated from Spanish by Kiva volunteer Vivian Lu

Loan details

Lenders and lending teams

Loan details