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Serafina Ludys
Serafina Ludys M. V. is 42 years old. She lives in the Ciudadela 20 de Julio neighborhood in Barranquilla. She is married and has two children who are 16 and 14 years old. Her children's education is this admirable woman's greatest challenge. Both of them have illnesses that require specialists. She has a special needs son (next to her in the photo) and the other child has a skin disease. She is always watching over them; that is why in order to take care of them she works from her home with a small variety and refreshment store. She works all day, whenever the customer needs her. She hopes and prays with much faith for a miracle from God: their recovery.

She began her business in 1994 and this is her fourth loan from the Fundación Mario Santo Domingo. She has demonstrated her excellence in making payments according to schedule. She is applying for the amount of $2.000.000 to buy beverages, clothes, shoes and cosmetics and to fix her display case. She has various suppliers of her products, among them, magazine distributors, stores from downtown Baranquilla and the Cervecería Águila truck. This is a very important brewery of the Baranquilla tradition. She has a variety of clients, including neighbors, referrals, workers, friends and family. She maintains the business in the face of strong competition in her neighborhood with prompt and conscientious service. In addition, the three loans that she has received in the last two years has allowed her to buy a display case, to pay bills and to accredit the business for merchandise. In the future, she dreams of having a locale with a well outfitted store.
View original language description ↓
Serafina Ludys M. V. tiene 42 años y vive en el barrio Ciudadela 20 de Julio en Barranquilla. Está casada y tiene dos hijos de 16 y 14 años. La educación de sus hijos ha sido el mayor desafío de esta admirable mujer, pues los dos padecen de enfermedades que requieren especialistas: tiene un hijo especial (a su lado en la foto) y el otro tiene una enfermedad de la piel y ella siempre está pendiente de ellos, por eso para poder atenderlos trabaja desde su casa en su pequeña miscelánea y refresquería todo el día hasta cuando el cliente lo requiera, ella ora y espera con mucha fe un milagro de Dios: la recuperación total de los dos.
Inició su negocio en el año 1994 y este es su cuarto crédito con la Fundación Mario Santo Domingo, en los que ha demostrado su excelencia en el cumplimiento de su plan de pagos; ella aplica por un valor de de $2.000.000 para comprar refrescos, ropa, zapatos y cosméticos y para arreglar la vitrina. Tiene varias fuentes de proveedores de sus productos, entre otros, empresas de revistas, tiendas en el centro de Barranquilla y el camión de la Cervecería Águila, cervecería importante de tradición barranquillera. Cuenta con una variedad de clientes, que incluye vecinos, referidos, empleados, amigos y familiares y se sostiene siempre al frente de la fuerte competencia que hay en su barrio, con atención oportuna y esmerada de sus clientes. Es más, los tres créditos que ha recibido en los últimos dos años le han permitido comprar una vitrina, pagar facturas y acreditar el negocio en mercancías pues, más adelante, sueña con tener un local con almacén bien surtido.

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
  • 466
    View loans »
    Colombia Loans Fundraising
  • $14,958,950
    Funds lent in using Kiva
  • 1,909.6
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Serafina Ludys to buy beverages, clothes, shoes and cosmetics and to fix the display case.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Mar 19, 2010
Listed
Mar 15, 2010
Currency Exchange Loss:
Covered
Ended:
Aug 15, 2011