A loan of $4,350 helped a member to buy ingredients such as oil, mustard, ketchup, cheese, and ham.


Conectadas Al Futuro Group's story

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.

In this group: Cecilia, Adriana, Daniela, Jacqueline, Ximena, Pabla, Mirna, Florita, Aurora, Karina, Jessica, Maria, Alejandra, Priscilla, Cecilia, Estela

Translator profile picture

Translated from Spanish by Kiva volunteer Ronan Reodica



Loan details


Lenders and lending teams



Loan details