Fundacion Dinero Y Conciencia

What Fundacion Dinero Y Conciencia does

Fundación Dinero y Conciencia is a Chilean non-profit foundation founded in 2013 and headquartered in Santiago, dedicated to promoting conscious use of money and ethical economic practices across Latin America. The foundation operates through three strategic pillars — Movimiento (awareness), Educación (education), and Comunidad (community) — and delivers its mission via in-person events (165+ across 60+ Latin American cities), online courses, school-based youth programs, study groups, and a multilingual video library. Its educational portfolio includes the online courses "Fundamentals for Social Renewal" and "The Economy According to Rudolf Steiner," a free Youth Financial Education workshop backed by Chilean government agency CORFO, a 2.5-year Management Training program for social organizations with Fundación Arché, and BELAT investor study groups. All educational products are rooted in Rudolf Steiner's Social Threefolding framework and Anthroposophy.

The foundation's revenue model is donation- and philanthropic-funding-based, supported by institutional donors including Fundación Avina, CORFO, and PFANE, with programs generally delivered free of charge. The foundation holds no proprietary technology platform; its "core technology" is its educational content and movement-building methodology. Its principal financial asset is wholly-owned subsidiary BELAT (Banco Ético Latinoamericano), founded in 2016, which operates 4 offices in Chile, Argentina, Uruguay, and Brazil, has mobilized +167M USD across 1,480+ credit operations, and serves 9,000+ conscious investors connecting them to sustainable enterprises in education, social development, and environment sectors. BELAT's governance/economic-rights split (foundation holds governance, 450+ investors hold economic rights) is designed to preserve purpose across generations.

The foundation serves four primary segments: youth/students (financial education in schools), social organizations and nonprofits (management training), conscious investors (courses on impact investing and ethical banking), and sustainable enterprises (BELAT financing). Distribution spans direct in-person delivery, self-serve online courses, school-based workshops, and university and institutional partnerships, with materials available in Spanish and Portuguese across Latin America and the Caribbean. The organization has 51–100 employees and is led by President Joan Melé, former Triodos Bank Spain executive and Doctor Honoris Causa (Universidad Champagnat, 2018).

Name

Fundacion Dinero Y Conciencia

Legal name

Fundación Dinero y Conciencia

Website

https://dineroyconciencia.org

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Fundación Dinero y Conciencia is a Chilean non-profit foundation that delivers educational programs and workshops across Latin America to promote conscious use of money, ethical banking, and impact-positive investing, anchored by its wholly-owned BELAT Financial Group operating in Chile, Argentina, Uruguay, and Brazil.

Ownership category

akta.pro rank

Product category

Non-profit Financial Education

akta.pro primary industry

Community Foundations (BPAGAKAB)

Keywords

• Financial education programs
• Conscious economics training
• Impact investing education
• Ethical banking workshops
• Sustainable economy courses

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Donations and philanthropic funding: The foundation receives donations from organizations and individuals to support its educational programs and mission. Partner organizations include AVINA, CORFO, PFANE.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Fundación Dinero y Conciencia is a non-profit foundation that delivers educational programs, workshops, courses, study groups, and a video library to promote conscious use of money and sustainable economy in Latin America. Its core content covers ethical banking, impact investing, social trimembration, and conscious economics. The foundation also owns and governs the BELAT Financial Group, which channels impact-positive credit to sustainable enterprises across Latin America.

Product overview

Fundación Dinero y Conciencia operates as a non-profit foundation focused on promoting conscious use of money and sustainable economy in Latin America. The organization offers a portfolio of educational products including online courses (Fundamentals for Social Renewal, Economy According to Rudolf Steiner), workshops (Financial Education for Youth, Management Training for Social Organizations), study groups, and a video library. Its core framework centers on three areas of action: Movimiento (awareness), Educación (education), and Comunidad (community). The foundation also owns and governs BELAT, a financial group that channels impact investments to sustainable enterprises. Programs are delivered through in-person events (165+ events, 60+ cities) and online platforms, with materials available free of charge for educational purposes.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Course: Fundamentals for Social Renewal (Curso online: Fundamentos para una renovación social) Online course taught by Joan Melé reflecting on the origins of current crises from a human-centered approach and seeking individual and collective transformation proposals. Targeted at individual learners interested in conscious economics.
• Online Course: The Economy According to Rudolf Steiner (Curso online: La Economía según Rudolf Steiner) Online course exploring Rudolf Steiner's economic philosophy, consisting of 11 biweekly sessions designed to rethink practices in organizations and inspire transformation processes. Targeted at professionals and conscious investors.
• Financial Education for Youth Workshop (Educación financiera para jóvenes) Workshop program for high school students promoting conscious use of money, ethical economy, positive impact investments, and ethical banking. Free and self-managed for middle and high school students in Chile.
• Management Training for Social Organizations (Formación en gestión para organizaciones sociales) 2.5-year management training program for social organizations guided by social trimembration principles, conducted in Santiago de Chile in alliance with Fundación Arché. Targeted at managers and leaders of social organizations.
• Study Groups (Grupos de Estudio) Open and exclusive study groups for BELAT investors, including study groups on Rudolf Steiner's economic philosophy based on the book 'La Economía según Rudolf Steiner' translated into Spanish in 2025.
• Video Library (Videoteca) Online video library featuring talks and workshops on topics including Anthroposophy, education economics, agriculture, business ownership, indigenous perspectives, and biodynamic agriculture. Free public access.
• BELAT Financial Group (Banco Ético Latinoamericano) Financial group founded and owned by Fundación Dinero y Conciencia in 2016, connecting conscious investors with sustainable enterprises in Latin America. Has 4 operational offices, +1,480 credit operations, +$167M USD mobilized, and +9k investors.

Quantifiable outcome

• +167M USD mobilized in impact-positive credit operations
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• BELAT Financial GroupcoreStrategic or Co-development PartnerFinancial group founded and owned by the foundation. It connects conscious investors with sustainable enterprises in education, social development, and environment. Has 4 operative offices, +1,480 credit operations, +167M USD mobilized.
• Fundación ArchécoreStrategic or Co-development PartnerChilean foundation partnered for management training coordination for social organizations based on social trimembration. Training began September 2024 for 2.5 years in Santiago.
• Fundación PurposecoreStrategic or Co-development PartnerJoint events conducted on rethinking property for a new economy. Three events exploring responsible property models and cases including the foundation's own ownership model of BELAT.
• Triodos BankminorOthersEuropean ethical bank that inspired the foundation's creation. Joan Melé previously held a leadership position there before founding the foundation.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Ashoka: Global network supporting social entrepreneurs, combining education, fellowship, and ecosystem support. Comparable to the foundation in its educational and community-building approach to social change, though focused on individual changemakers.
• Skoll Foundation: Foundation driving large-scale social impact by investing in social entrepreneurs and ecosystem solutions, including the TED Prize partnership. Comparable in combining grantmaking with ecosystem-level transformation, with a focus on scaling proven solutions.
• Acumen: Global impact-investing fund that combines patient capital with leadership development for entrepreneurs tackling poverty. Comparable in mission to combine impact finance with education/movement building, though at global rather than Latin American scale.
• Omidyar Network: Impact philanthropy and investment firm founded by eBay's Pierre Omidyar, deploying capital and supporting ecosystem organizations to drive social impact. Comparable as a large-scale foundation combining grantmaking, impact investing, and ecosystem-building.
• Triodos Bank: European ethical and sustainable bank that explicitly inspired the foundation's creation; Joan Melé was a former executive at Triodos Bank Spain. Triodos provides the proven operational model the foundation and BELAT are attempting to replicate in Latin America.

Direct peers

• Beneficial State Bank: US community development bank with a non-profit ownership structure and explicit social/environmental mission, similar in legal form and intent to BELAT. Provides a reference for scaling a mission-locked banking model.
• RSF Social Finance: US-based values-aligned financial services organization that channels investor capital to social enterprises, similar in structure to BELAT's role within the foundation. Operates an impact-finance intermediary model the foundation is emulating.
• Fundación Avina: Latin American foundation that produces collaborative processes for sustainable development, and is both a major donor to and board-connected with FDC (Guillermo Scallan). Operates in similar geographies, with comparable mission around sustainability and Latin American transformation.

Regional players

• GLS Gemeinschaftsbank: German ethical/Anthroposophic-rooted bank that, like Triodos and BELAT, channels deposits into social, ecological, and cultural projects. Comparable as a values-driven banking model that the foundation references as a European counterpart.

Emerging players

• Sistema B: Latin American B Corp movement co-founded by one of the foundation's directors (Juan Pablo Larenas). Both organizations promote purpose-driven business and conscious economics across the region, often sharing partners, events, and impact-investing networks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCQv-ZCfvc83jQsVN0xCFz2w
• Facebookfacebook.com/BancaEticalat
• LinkedInlinkedin.com/company/dineroyconciencia
• Instagraminstagram.com/bancaeticalat

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fundacion Dinero Y Conciencia