A loan of $2,925 helped a member to buy jackets, shoes, and hoodies.


Oportunidad Para Todos Group's story

This Communal Bank is called "Oportunidad para Todos" (Opportunity for All) and consists of 15 entrepreneurs who engage in various trades including street vendors, shoe merchants, clothing merchants, bakers, store owners, service providers, and other occupations. All of them are from the community of Macul, which is located in the city of Santiago.


Eglae, the president of this Communal Bank, appears in the photo seated in the front row. She is wearing blue jeans and a black pullover shirt with a red heart in the middle. She is also wearing a coffee-colored jacket and holding a purse. Eglae is wearing earrings and has dark brown hair that she wears hanging down. She is a used clothing merchant and has been in this business for two years. Her vending post is located at the open fairs that are held Tuesday through Sunday. Her inventory of merchandise contains a diverse array of clothing, mostly garments for people of all ages. Eglae usually acquires her merchandise in the city of Santiago, where the goods are cheaper and offered in wider varieties. She will use her loan to buy jackets, shoes, and hoodies since these types of articles are lacking in her business. Her goals are to acquire a shop or a fixed post at the fair, to be able to attend to her customers in a more calmer setting, and to choose a better quality of life.


Eglae lives with her husband, who works as an assistant mechanic, and their three children (ages, 19, 17, and 9) who are studying. Her dreams are to acquire a shop with good conditions for selling clothes and to provide her family a better quality of life. She is very pleased and appreciative of the loans provided by Fondo Esperanza. In addition, she feels very comfortable at the meetings with her Communal Bank group, which has exhibited generosity and unity.


Macul is a community that is located in the central-western section of Santiago. It is primarily a residential and industrial area. Within the same community, there is a wide range of socioeconomic levels. To the south, there are very modest neighborhoods, while in the north there are sections with higher incomes, especially the neighborhoods bordering the community of Ñuñoa.

In this group: Eglae, Carmen, Stefany, Jessica, Monica, Pamela, Denis, Karen, Myriam, Digna, Pamela, Luis, Sandy, Luis, Irene

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Translated from Spanish by Kiva volunteer Ronan Reodica



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