A loan of $2,975 helped a member to buy decorations for national holidays, such as handkerchiefs, dresses and dance costumes- decorations to supply her store.


Creciendo Con Esperanza Group's story

This communal bank is called “Creciendo con Esperanza.” It consists of 17 members who are engaged in different areas, among which are: pastries, the sale of jewelry, a grocery store, office supply sales, fast food, the sale of perfumes, plant sales, and services, among others. They all belong to the city of Chillán.

Patricia, a delegate of the communal bank, can be found standing in the photo in the front line, occupying the spot second from the right, dressed in black pants and wearing a green jacket on top, and a dark brown purse. Her hair is pulled back and is dark brown.

She has made a living for three months through office supply sales. She comments that she works in a store which she rents. She works from Monday through Saturday, and she distributes her schedule according to her availability. The goods and supplies that she needs she buys in the city of Santiago from distributors and importers at a lower cost, and therefore are economically convenient.

With the loan she will buy decorations for national holidays such as handkerchiefs, dresses, and dance costumes- decorations to supply her store. One of Patricia’s goals is to lease a larger store and to have more merchandise stocked to sell, and with this generate higher income and have a better quality of life.

Patricia lives with her husband and niece. Her dreams for her work are to continue working with her business and have a lot of merchandise, and for her family are that her daughter finish her professional career in order to see her job completed.

She is very happy and thankful for the opportunity provided by Fondo Esperanza since it will allow her to invest in her business. Respecting the community bank of which she is a part, she comments that there is very good communication. Also, the training has allowed her to learn new strategies for sales and accounting.

Chillán is a community in the central southern zone of Chile. Its name means “seat of the sun” in Mapudungun, the language of our Mapuche Indians. Chillán is known as the “Cradle of the Homeland” or “Land of the Artists,” owing to the fact that prominent figures from Chile’s history were born in the city, such as, for example, the famous pianist Claudio Arrau.

In this group: Patricia, Bernardita, Norma, Johanna, Oscar, Paola, Julio, Maria Margarita, Karla, Rosa, Mabel, Maria Cecilia, Florentina, Oritia, Felipe, Eugenia, Carmen
*not pictured

Translated from Spanish by Kiva volunteer Sarah Tyler



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