A loan of $3,800 helped a member to buy clams and mussels (fruits of the sea known as shellfish).


Esperanza Del Crea Group's story

This communal bank’s name is “Esperanza del Crea”. It is comprised of 18 entrepreneurs who are in a variety of lines of work among which are found selling vegetables, selling cakes, selling clothes, selling salads, cooking, a fish store, store, selling fruits and vegetables, and services, among others. All of them are from the city of Talca.

Cesar is the president of the communal bank. In the photo he is in the first person from left to right in the last row. He is wearing a blue vest and a blue sports cap. He has been selling fish for 24 years. He says that he works Fridays, Saturdays, and Sundays from 6:00 a.m. until 2:00 p.m. He has a fish stand at the fair. He buys the merchandise that he needs at the fish market, and sometimes he buys from the independent fisherman in the area.

He will use the loan to buy clams and mussels (fruits of the sea known as shellfish). One of Cesar’s goals is to continue with the business and to be able to become independent in order to stock his business by himself. He wants to do this to generate more income, to have a better quality of life, and to give his family a good life.

Cesar lives with his wife and their two children, ages 22 and 15. The children go to school. His dreams for his family are to give them the best so that they lack nothing. On a work level, his dream is to continue working for his family.

He is very happy and grateful for the opportunity given to him by Fondo Esperanza because it allows him to invest in his business. Regarding the communal bank that he is part of, he says there is a lot of responsibility and trust. Through the trainings he has learned new sales and accounting strategies.

Talca is part of the Maule region located in center of the country. It is the region's administrative, economic, and cultural center and the most important city in Chile's Central Valley. There is an interesting Chilean phrase, "Talca, París, y Londres" [Talca, Paris, London], which some say comes from misstating an English phrase "Talca looks like London," referring to fog that often shrouds Talca during the winter as it does the English capital city.

In this group: Cesar, Maria, Elsa, Marcela, Pablo, Kristal, Miguel, Jose, Maria, Sebastian, Maria, Jenny, Johanna, Maria, Monica, Margarita, Mauricio, Maria

Translated from Spanish by Kiva volunteer Ginny Kalish



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