A loan of $4,875 helped a member comprará detergente, cloro, suavizante liquido, y ropa variada para su clientela.

Brilla El Sol Group's story

This communal bank is called “Brilla el sol” and is made up of 21 enterprising people who work in different areas, including selling at fairs, citrus sales, clothing sales, electrical services, parcel shipping, chocolate sales, and other services. They all live in Talca.

Nycole, the communal bank’s treasurer, and is shown in the photograph standing in the first row, third from the left, wearing a black top. She has dark hair tied back.

She has been selling clothing and cleaning supplies for the past three years. She tells us that she works from her home where she offers her products through the internet. Her customers place their orders this way and then pick them up in her home. She sets her schedule based on her availability.

She buys the merchandise she needs from various distributors and importers in Santiago, where she can get it at lower cost and therefore more economically.

She will use the money from this loan to buy detergent, bleach, liquid fabric softener, and assorted clothing for her customers.

One of Nycole’s goals is to continue in this area so that she can buy a vehicle so that she can deliver her merchandise to her customers without complications.

Nycole lives with her parents, one of her sisters, and two young daughters, ages 4 and 1. Her dreams are to have a good income and provide a better quality of life to her family.

She is happy and grateful for the opportunity given her by Fondo Esperanza that will make it possible for her to invest in her business. She says that the training has been important for her business and also for her personal development, since she has learned to better organize and distribute her income and investments. She also says that there is good communication within the communal bank to which she belongs.

Talca is part of the Maule region, located in the country’s central zone. It makes up the region’s administrative, economic, and cultural center, and is the most important city in Chile’s central valley. In Chile, there is a curious reference to Talca, “Talco, Paris, and London.” Some say that it’s a derivation of the original English saying, “Talca looks like London,” because of the fog that frequently covers the city during the winter, just like the capital of the United Kingdom.

In this group: Nycole, Erik, Jenny, Paula, Marcelo, Dora, Margarita, Luis, Rodrigo, Lorena, Isabel, Dominique, Miriam, Jose, Miriam, Isabel, Soledad, Juana, Rosa, Cesar, Carlos

Translator profile picture

Translated from Spanish by Kiva volunteer Hugo Reyes

Loan details

Lenders and lending teams

Loan details