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Jose Ricardo
José C. is a great admirer of the land of his birth, the Colombian department of Huila. This place is known for its varying climates among the different elevations, the beautiful landscapes, a snow-capped volcano, mountains, rivers that form various tributaries, whimsical cave formations, and expressed warmth of its desert.


José is married, has three children, and has been a great entrepreneur all of his life. For 25 years, he and his wife have racked up many accomplishments. He started a basic business selling fried foods. As he gained more business experience, he began managing larger micro-enterprises. Today he has adequate housing and two business locations where he sells food, beverages and especially soft-drinks that accompany the music that invites families to have a good time on the terrace of his establishment. Prior to establishing his restaurant, he distributed merchandise in bulk to small businesses located in central Barranquilla where he acquired many customers and very good employees, three of whom continue to work for him. José’s workers recognize him as a fine leader and have noticed his ability to take his business from a rented area to a location that he owns.


José has received four previous loans from Fundación Mario Santo Domingo. His excellent money management has helped him increase his operating capital and sustain a decent lifestyle for his family. He dreams of continuing his progress and hopes that his youngest child will achieve the goal of becoming a professional. José lives in a safe neighborhood and his establishment is located at a strategic commercial site that is well-known among the residents of Barranquilla and Soledad. Everyone likes the idea of having a safe place where families can come to have fun. For this reason, José is requesting a seasonal loan in the amount of 2,000,000 COP to buy soft drinks and food for the events that he will host on the terrace of his business. As Carnival season approaches, his neighbors are asking when his parties will take place because his business is known for promoting family unity, strong friendships, and safe ties among the residents.

View original language description ↓
José C., es un gran admirador de la tierra en que nació Huila departamento colombiano que en sus diferentes pisos térmicos, exhibe hermosos paisajes, volcán nevado, montañas y ríos que forman saltos, caprichosas formas de cueva y hasta la expresión cálida en un desierto.
El es casado y tiene 3 hijos y toda la vida ha sido un gran emprendedor que acompañado de su esposa, hace 25 años, ha logrado alcanzar muchos logros, desde que iniciò su negocio de alimentos fritos, de manera incipiente, adquiriendo en su crecimiento gran experiencia empresarial, que lo llevaron a dirigir microempresas de mayor tamaño hasta conseguir lo que hoy tiene una vivienda adecuada y separada de dos locales comerciales que utiliza para vender víveres, bebidas, y especialmente refrescos que acompañados con la música convocan a las familias a pasar momentos muy agradables en la terraza de su tienda. Previo montaje de este negocio distribuía mercancía al pormayor en el centro de Barranquilla a pequeños comerciantes y ganó mucha clientela y muy buenos empleados, 3 de los cuales continúan trabajando con él, porque reconocen que es un buen líder y observaron su capacidad de pasar de tener un estadero alquilado a uno que hoy es de su propiedad.
José ha recibido 4 créditos de la Fundación Mario Santo Domingo y por su buen manejo ha logrado incrementar su capital de trabajo y sostener dignamente a su familia, con la que sueña verla progresando y anhela que su último hijo alcance el sueño de ser profesional; vive en un barrio sano y su tienda está ubicada en un sitio comercial, estratégico, es conocida por muchas personas en Soledad y en Barranquilla, a todos les encanta por el concepto de diversión sana y familiar en la que lo ha enmarcado; con este propósito está solicitando un crédito de temporada por valor de $2.000.000 para invertir en refrescos y alimentos de consumo que comercializará en las verbena que realizará en la terraza de su negocio, en la época carnavalera que se avecina; fiesta por la que ya preguntan sus vecinos pues favorece la unidad familiar y fortalecen la amistad y la protección entre vecinos.


Additional Information

About Fundación Mario Santo Domingo

Fundación Mario Santo Domingo (FMSD) is a non-profit organization in northern Colombia dedicated to developing programs for the country’s poorest communities. In addition to numerous social services, FMSD runs a microfinance program to strengthen micro-businesses in the areas where it works. The organization also offers several non-financial components as part of this program, including training to help entrepreneurs start their own businesses.

About Colombia

  • $11,100
    Average annual income
  • 473
    View loans »
    Colombia Loans Fundraising
  • $15,262,800
    Funds lent in using Kiva
  • 1,967.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Jose Ricardo purchase food & soft drinks to sell at parties.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 10, 2010
Listed
Feb 12, 2010
Currency Exchange Loss:
Covered
Ended:
Jun 15, 2010