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Conectadas Al Futuro Group
In this Group: Cecilia, Adriana, Daniela, Jacqueline, Ximena, Pabla, Mirna, Florita, Aurora, Karina, Jessica, Maria, Alejandra, Priscilla, Cecilia, Estela
The Communal Bank "Conectadas al Futuro" (Connected to the Future) consists of 16 entrepreneurs who engage in different trades such as selling bleach, selling slippers, selling groceries, selling food, sewing, selling salads, making pastries, providing services, and other activities. All of the members are from the city of Viña del Mar.


Cecilia, the president of the Communal Bank, is seen in the photo standing in the first row in the third position, going from right to left. She is wearing a black jacket and holding a Fondo Esperanza folder in her hands. In addition, she is wearing a necklace and has long dark brown hair.


Cecilia prepares food, specifically "sopaipillas" (fried dough, the Chilean version has squash mixed in), empanadas, and other products. She started this business two years ago. Cecilia says that she works alone and offers her products from a cart located in front of an office building. She manages her business Monday through Friday from 7am to 7pm. On the weekends, she spends time with her family. The supplies and ingredients that she needs are purchased at different supermarkets and from distributors at low cost, which is financially convenient for her. With her loan, she will purchase ingredients, specifically oil, mustard, ketchup, cheese, and ham for her business. One of her goals is to acquire a vehicle for shopping and moving her cart to different places.


Cecilia lives with her husband, who works as a master painter, and three daughters. One is 17 years old and studying nursing, and the others, ages 14 and 11, are in in school. Her dreams for her work are to buy a vehicle and stabilize her business so that she can provide her family a better quality of life. On a personal level, she would like to complete her house. Cecilia is pleased and appreciative of the opportunity provided by Fondo Esperanza, which has allowed her to invest in her business. She also feels very comfortable in the presence of other entrepreneurs in her Communal Bank with whom she shares different activities and interests. They also provide her with a moment of distraction. With respect to the training classes conducted during the meetings, she has learned how to better manage her business.


Viña del Mar is a city and community located on the central coast of Chile. It is known as "the Garden City" because of the gardens and courtyards found in some of the older homes in the city. Viña del Mar is also considered to be the tourism capital of Chile.

View original language description ↓
Este Banco Comunal se llama “Conectadas al Futuro” está conformado por 16 emprendedores quienes se dedican a diferentes rubros, entre los cuales se encuentran; venta de cloro, venta de zapatillas, abarrotes, venta de comida, costuras, venta de ensaladas, repostería, servicios entre otros. Todos pertenecientes a la ciudad de Viña del Mar.
Cecilia, presidenta del grupo del Banco Comunal, quien en la foto se encuentra sentada en primera fila ocupando el tercer lugar de derecha a izquierda, viste chaqueta de color negro, en sus manos sostiene una carpeta de Fondo Esperanza, usa una cadena de adorno en su cuello, su cabello es de color café oscuro, lo usa largo y suelto.
Ella se dedica a la preparación de comida, específicamente sopaipillas, empanadas, entre otros productos. Se desempeña en este negocio desde hace 2 años. Comenta que trabaja sola y que ofrece sus productos a sus clientes en un carro que lo ubica frente de un consultorio. Ahí atiende de lunes a viernes desde las 7ºº hasta las 19ºº horas, ya que el fin de semana lo dedica a la familia.
La mercadería e ingredientes que va necesitando los compra en diferentes supermercados y distribuidoras a bajo costo, por lo tanto conveniente económicamente. Con el crédito comprará ingredientes, específicamente aceite, mostaza, kétchup, queso, jamón, para su negocio.
Una de sus metas son adquirir un vehículo para comprar y poder movilizar su carro a todas partes.
Cecilia vive junto a su marido quien se desempeña como maestro pintor, y 3 hijas, una de 17 años de edad quien se encuentra estudiando enfermería, y de 14 y 11 años de edad quienes se encuentran estudiando en el colegio. Sus sueños a nivel laboral son comprar un vehículo y estabilizar su negocio para brindarle a su familia una mejor calidad de vida, y a nivel personal terminar su casa.
Ella está muy contenta y agradecida de la oportunidad que le ha brindado Fondo Esperanza, ya que le ha permitido invertir en su negocio. Además se siente muy cómoda con la compañía de las demás emprendedoras del grupo Banco Comunal, ya que comparten diferentes actividades, intereses, lo cual también le ha servido como un momento de distracción. Respecto a las capacitaciones impartidas en las reuniones, ha aprendido administrar su negocio de mejor manera.
Viña del Mar es una ciudad y comuna ubicada en el litoral central de Chile, conocida como la Ciudad Jardín debido a los jardines y patios que poseen algunas viviendas antiguas de la ciudad. También es considerada la capital turística de Chile.

Additional Information

About Fondo Esperanza

Fondo Esperanza (FE) is a private non-profit organization that supports entrepreneurship by providing micro-credit and training to people living in poverty in well over 100 cities throughout Chile. By providing these services, FE aims to improve the living conditions of the entrepreneurs and their families. In 2010, FE provided loans to more than 41,000 entrepreneurs. It utilizes a communal banking model in which groups of 18 to 25 clients meet on regularly and guarantee each other’s loans. The members use their portion of the loan to create or expand their own businesses. In the group meetings, clients receive training though the FE Entrepreneurship School, which enhances clients’ personal and business skills and ability to work in groups.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Chile

  • $19,100
    Average annual income
  • 0
    View loans »
    Chile Loans Fundraising
  • $2,637,700
    Funds lent in using Kiva
  • 502.4
    Chile Pesos (CLP) = $1 USD

Success!! The loan was 100% repaid

A portion of Conectadas Al Futuro Group's $4,350 loan helped a member to buy ingredients such as oil, mustard, ketchup, cheese, and ham.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 31, 2012
Listed
Jun 23, 2012
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2012