A loan of $2,550 helped a member to buy materials, specifically cream, dulce de leche, eggs, flour, paper doilies and boxes for decorating.


Juntos Por Un Mañana Group's story

This communal bank is called “Together for Tomorrow". It is made up of 16 entrepreneurs who work in different areas, including hair styling, preparing fast food, pastries, and selling new clothes. All of them are from the city of Rancagua. Patricia is a member and delegate of the communal bank, who is in the last row in the photo close to the window. Her hair is blond and she uses glasses. She has worked with pastries for two years. She remarks that she has taken cake decorating classes and what was once a hobby has become her work. At present, she makes her products at home. She offers them and sells them in her customers' houses. She buys her ingredients at distributors and in the market, every week. She works Mondays through Saturdays with a flexible schedule and her customers make many orders for cakes, kuchen, and lemon pie. With the loan she will buy materials such as cream, dulce de leche, eggs, flour, paper doilies and boxes for decoration. Her business goals are to have a pastry shop. Patricia lives with her husband and two daughters, aged 18 and 10. Her dreams are to keep working and increase her income to have a better quality of life for her family. She is very happy and grateful for the opportunity Fondo Esperanza has offered her. This has allowed her to invest in her business. She also feels very comfortable with the opportunity institution has offered her to participate in. She remarks that with the group she belongs to, there is a lot of trust and respect and they are very close. Rancagua belongs to the region of the liberator Bernardo O´Higgins. It is a modern city that regulates the main productive and exportation processing of Chilean fruit and winery. It is also a mining city, because in its mountains is the largest underground mine in the world, “El Teniente”, with 4.500 km. of tunnels.

In this group: Patricia, Beatriz, Silvia, Sylvia, Mauricio, Evelyn, Fabiola, Pamela, Nataly, Valentina, Elba, Claudia, Marianela, Raquel, María Luisa, Luis
*not pictured

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Translated from Spanish by Kiva volunteer Ellen Donohue



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