A loan of $7,800 helped a member to buy bales of clothes and beauty products.


Las Heroinas De Labranza Group's story

This communal bank is called Las Heroínas de Labranza. It is comprised of 18 entrepreneurs who devote themselves to different lines of work. Among the lines of work are selling vegetables, selling medicine, making clothes, a mini-market, knitted goods, selling decorations, a store, selling clothes, and providing services, among others. All of the members are from the city of Temuco.

Teresa is the treasurer of the communal bank. In the photo she is standing in the last row, second from the right. She has on a black jacket, and her hair is dark brown. She is wearing it down, and she has on large silver colored earrings.

She has been selling beauty products and bedding like sheets for three years. She works from Monday through Sunday. She sees to her business at home, and she arranges her schedule according to her availability. She buys her merchandise, bales of clothing, at warehouses. She buys the beauty products by catalogs. She gets them at low prices, which is cost-effective. She will use the loan to buy bales of clothes and beauty products.

One of Teresa’s goals for her business is to have a stable business where she is able to sell all types of clothes and add the sale of perfumes. She wants to do this in order to generate greater income. This way she can choose to have a better quality of life.

Teresa lives with her husband and four children, ages 12, 9, 5, and 3. Her dreams on a personal level are to continue with the business and to have more resources at home. This is because the children are growing, and while they are growing the need to give them a good life also grows.

She is very happy and grateful for the opportunity provided by Fondo Esperanza. It will allow her to invest in her business. She says that the trainings have been essential for her business and for her personal development. She has learned to organize and distribute her income and investments in a better way.

Temuco is the capital of the Araucanía region. The city is 670 kilometers south of Santiago (capital of Chile). On the outskirts there are a series of lakeside resorts (Pucon, Villarica) and striking native flora and fauna concentrated in the nearby natural parks. Half of the Mapuche people, an indigenous group in Chile, live in this region.

In this group: Maria, Olga, Paula, Maribel, Claudia, Andrea, Angell, Elizabeth, Nelly, Sara, Luz, Nelly, Carolina, Carolina, Katherine, Darly, Heidy, Gloria

Translated from Spanish by Kiva volunteer Ginny Kalish



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