A loan of $4,550 helped a member to buy a three-month supply of designer nail polish, nail polish remover, cotton, and acrylics.


Mirando El Futuro Group's story

This Communal Bank is called “Mirando al Futuro” (Looking to the Future) and consists of 19 entrepreneurs who engage in different businesses such as preparing fast food, ice cream, chocolates, pastries, selling books, used clothing, handicrafts, managing a store and bazaar, and other ventures. All of them live in the community of Independencia, which is located in the city of Santiago.


Claudia is a member of this Communal Bank. In the photograph, she is standing in the back row and has dark brown hair. As a better reference, she is the woman who is standing much higher than the rest of the group. Claudia is in the service industry, specifically providing pedicures and manicures. She started in this business four months ago after completing a course. Her work schedule is flexible. She works from her own home and at the homes of her customers. Claudia says that after she participated at a Christmas fair, she was able to attract a large number of customers. This event helped to increase her income. She also promotes her service by placing a sign outside of her house. Claudia buys her supplies at a shop in the central part of the city.


With this loan, Claudia will buy designer nail polish, nail polish remover, cotton, and acrylics. These supplies should last for the next three months in her business. Her goals include investing more money in these materials. Claudia lives with her mother and her three children (ages 7, 4, and 2). Her dreams on a personal level include finishing courses so that she will be more knowledgeable about foot care. She is very pleased with and grateful for the opportunity provided by Fondo Esperanza. This has enabled her to invest in her business. She says that she is very comfortable with her Communal Bank group. They have already worked together in several activities and have become very close. With respect to the training classes, Claudia is able to better organize the accounting of her business.


Independencia is one of 34 communities that make up the city of Santiago, the capital of Chile. It is located in the north-central sector. At the end of the nineteenth century, Independencia emerged as the most traditional section of the city. The main thoroughfare is Independencia Avenue, which served as the old Incan Road and the passageway to the north from the city of Santiago. Given the growing indigenous population, Independencia is known as the “Indigenous Cultural Center of Chile”. There are also historical buildings, including six Chilean historical monuments.

In this group: Claudia, María , Veronica, María Isabel, Adela, Alicia, Solange, Manuela, Irene, María, Ana María, Ivan, Nicole, Elizabeth, Karen, Ana Rosa, Magdalena, Alex*, Julia*
*not pictured

Translator profile picture

Translated from Spanish by Kiva volunteer Ronan Reodica



Loan details


Lenders and lending teams



Loan details