A loan of $650 helped to buy sweat pants and car speakers.


Viviana's story

Viviana is a member of the “Mi Banco Mi Amigo 2” (My Bank My Friend 2) which belongs to Pudahuel Commune, city of Santiago. She has been a merchant for the last 15 years. She works alongside her husband selling various seasonal items, especially those they can sell quickly and at low prices. Viviana sets up her stand in a bazaar on Thursdays, Saturdays, Sundays and holidays from 8am to 3pm. Viviana comments that she’s done very well in business and that the days with the best sales are the 15th and 30th of each month; however, she does well the rest of the days too. She will use the loan to buy sweatpants and car speakers. Thanks to the business Viviana has been able to make some of her dreams a reality like, paying off her house, paying for her Pharmacy Technician training and supporting her home’s economy. Her goal is to buy a pickup truck to transport her merchandise. Viviana lives with her husband and two children who are 27 and 23 years of age and who both work but who help her with her business on weekends. This has led to more family togetherness. One of her sons is married so her daughter-in-law and two grandchildren who are 7 and 6 years of age also live with her. Her motivation and dreams are to continue in business so that she can continue to carry out her projects. Viviana is very happy and grateful to Fondo Esperanza because it’s given her the opportunity to have investment capital for her business. With respect to the relationship with the other communal bank group members, it has been very good because trust and mutual support exists among them. She also considers that it’s very important to learn new things to apply to her own business. In general, Viviana is very happy about her accomplishments. Pudahuel is a commune in western Santiago (capital of Chile) Metropolitan District. The word comes from Mapudungun (Mapuche language) that means “place where the waters come together” or “place of puddles” because it has a varied network of streams composed of the Mapocho River and the Lampa, Carén and Las Cruces creeks which make the soil favorable for farming due to the abundant subterranean water.

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Translated from Spanish by Kiva volunteer Polliz



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