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Yadira Antonia
Yadira Montalvo is a woman from Barranquilla who knows a lot about business. She has 20 years of experience, and the different activities she has done to support herself are proof of that. In her house everyone works. Her husband is a taxi driver. They have two children, 20 and 23 years old. They also work. They are the exact reason that she started her business.

She started in order to add another income to the household and to invest in their education. Her husband had a great responsibility with the household expenses, and she considered it her duty to help him with this objective.

She started selling cakes to her neighbors. She was expanding and adding other products like cheese, which she sells by the pound or kilo at the customer’s request. She observes her customers, and Yadira has come to understand other needs.

She also started selling various merchandise like domestic appliances, clothes, and footwear. She interacts in the three businesses, and each time they show their potential for growth.

With this perception, she came to the Fundación Mario Santo Domingo to request her first loan. She wants to buy cheese in greater quantities as she knows that it is very profitable. She also wants to buy small domestic appliances, cosmetics, and clothes for women to respond to her customers’ orders. They need to give gifts for the celebration of Mother’s Day in May.

Young adults, men, and women wrap the gifts for their mothers, mothers-in-law, sisters-in-law, and even their neighbors or friends. They buy gifts for their biological mothers or anyone who has filled the roll of mother.

Yadira, age 50, is a hard-working woman who primarily dreams of the growth of her business. In the future she sees her business with a better infrastructure, and she sees herself tenaciously helping her family.
View original language description ↓
Yadira F. es una barranquillera que sabe mucho de negocios, que expresa su experiencia de hace 20 años y las diferentes actividades que realiza y que hasta ahora se han sostenido dan cuenta de ello. En su casa todos trabajan: su esposo es taxista y tienen 2 hijos de 20 y 23 años de edad, que también trabajan; ellos son precisamente la razón por la cual empezó su negocio, para agregar un ingreso más al hogar e invertirlo en sus estudios, porque su esposo tenía una gran responsabilidad en los gastos del hogar y ella consideró un deber el apoyarlo en este propósito.
Inició vendiendo pasteles a sus vecinos y fue expandiéndose y añadiéndole otro producto como el queso, que vende en porciones de libra o de kilo a solicitud del cliente. Observadora de su clientela, Yadira ha logrado comprender otras necesidades y por eso incursionó también en la venta de mercancía variada, como electrodomésticos, ropa y calzado, tres negocios en los que interactúa y cada vez muestran su potencial de crecimiento; con esta percepción se acercó a la Fundación Mario Santo Domingo para solicitar su primer crédito, quiere comprar queso en mayor cantidad pues conoce que deja buena rentabilidad y también invertir en pequeños electrodomésticos, cosmético y ropa femenina para responder a pedidos de clientes, que necesitan hacer sus regalos, con motivo de la celebración del día de las madres en el mes de Mayo, asì jóvenes adultos, hombres y mujeres envuelven los obsequios de su madre, suegra, cuñada, y hasta la vecina o amiga, en fin toda la que sea madre biológica o haya cumplido con el roll de madre.
Yadira a sus 50 años es una mujer trabajadora que sueña principalmente con el crecimiento de su negocio, pues se ve en el futuro con una mejor infraestructura de negocio y ayudando con tenacidad a su familia.

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

  • $6,070
    Average annual income
  • 280
    View loans »
    Colombia Loans Fundraising
  • $13,618,075
    Funds lent in using Kiva
  • 1,945.4
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Yadira Antonia buy cheese in larger quantities, domestic appliances, cosmetics, and clothes for women.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 21, 2010
Listed
Apr 24, 2010
Currency Exchange Loss:
Covered
Ended:
Jun 15, 2011