A loan of $4,100 helped a member to buy crockery, glasses, cloths, aprons, kitchen gloves, as well as panties, tracksuits, and thermal undershirts.


Ensueño Group's story

The communal bank called Ensueño ("The Dream" ) is made up of 19 entrepreneurs who work in different areas, including general store retail, clothing sales in street markets, fast-food sales, selling baked goods, sewing, and construction. All of them live in the Colina municipality in the city of Santiago. Viviana, the president of the communal bank, is seen in the photo, standing in the first row on the far right. She is leaning forward with her hand on her leg, wearing a black pullover and light-blue jeans, with her hair up. She sells household items and clothing. She has worked in this area for 10 years, and says that she really enjoys what she does. She works from 8:00am to 4:00pm, with Mondays and Thursdays off. She buys her merchandise from distributors, since she finds it better to buy at wholesale. She buys clothing according to the season. Lately, her merchandise has been for winter, so she has done very well. With the loan she will buy crockery, glasses, cloths, aprons, kitchen gloves, as well as panties, tracksuits, and thermal pullovers. Her goals are to set up her business in a stable premises in order to expand, and later to buy a vehicle so that she can transport her merchandise to more out-of-the way places. Viviana lives with her husband and her two children, ages 7 and 2. Her dream is to provide them with a better quality of life, including better quality education leading to training in a profession. She is very happy and thankful for the loan obtained through Fondo Esperanza, and also very much enjoys the meetings of the communal bank group, since the other members are committed, friendly, and able to share their different experiences with each of their businesses. She believes that the training has helped her learn new strategies for organizing her business. Colina is a municipality in the northern part of the Santiago metropolitan area (Santiago is the capital of Chile). Currently, it is the focus of significant investment, mainly in the area of agro-industry, due to the setting up of important large companies providing numerous jobs to the community. It's also an area where new sub-divisions are being built, which has contributed to a considerable increase in the population. It also has areas for tourism, such as hot springs, sports at Piedra Roja Lake, and mountain climbing.

In this group: Viviana, Flor , Evelyn, Elizabeth, Camila, Dagoberto, Juana, Myriam, Margarita, María, Rodrigo, Susana, Teresa, Amalia, Yanet, Juana, María, Juan Carlos, Francisco
*not pictured

Translator profile picture

Translated from Spanish by Kiva volunteer Jeff Goldie



Loan details


Lenders and lending teams



Loan details