A loan of $4,225 helped a member to buy fabrics and spare parts for her sewing machine.


Flores Del Jardin Group's story

This communal bank is named “Flores del Jardín” (garden flowers). It is made up of 18 entrepreneurs working in various sectors such as a bakery, the sale of plastic bags, clothing, handicrafts, breads, a stationery shop, and other services. Each of the group members is a resident of the city of Temuco.

Carmen, a member of "Flores del Jardín", is the red-haired woman pictured kneeling at the far right, wearing white pants and a brown, patterned shirt.

She has been working as a seamstress for three years. Carmen works Monday through Saturday and sometimes also on Sundays. She created a workshop in her home where she attends to customers and sews children's and women's clothing. Luckily, Carmen is able to create her own hours around her availability. She buys the merchandise and supplies used in her shop from different stores and distributors in Santiago that sell fabrics at lower prices.

With this loan, Carmen will buy fabrics and spare parts for her sewing machine. One of Carmen's goals is to have her own shop in a better location that will bring more customers because this will help her increase her earnings and have a better quality of life.

Carmen lives with her parents and her 9-year-old daughter, who is in school. As a personal goal, Carmen aims to finish her technical studies.

Carmen is very happy and grateful for the opportunity this loan from Fondo Esperanza brings her to be able to invest in her business. She says that the trainings offered have been very helpful for her business as well as her personal development because she has learned how to organize and better distribute her income and investments. As for the communal bank group she belongs to, Carmen is pleased with the communication they have with her.

Temuco is the capital of the Araucanía region and the city is located 670 kilometers south of Santiago (the capital of Chile). Around the city are the volcanos and hot springs Pucón and Villarrica, as well as distinct native plants and animals found in nearby national parks. It is worth noting that in this region lives 50 percent of the Mapuches, an indigenous people, that exist in the country.

In this group: Carmen, Raquel, Maria Patricia, Marcela , Madeleine, Ana, Carolina, Karin, Victoria, Leslie, Viviana, Veronica, Maria, Heinrich, Jessica, Patricia, Manuel, Susana

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Translated from Spanish by Kiva volunteer Ellen Craven



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