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Lilia Esther
In the neighbourhood of Santa María, south west of Barranquilla, everyone joins together to raise money to make the area more attractive and bring in new customers who otherwise wouldn’t have visited. This is the environment in which 71-year old Lilia Esther C. and her family work. They live very close to a place called “La Cascada” where political meetings and activities like Mothers Day celebrations are held. All these visitors have a beneficial impact on Lilia’s sales of general goods and soft drinks. At the moment she has no refrigeration system as her freezer has broken down, so she wishes to replace it. For this reason she is asking for her third loan with Kiva partner, the Mario Santo Domingo Foundation.

Lilia Esther is a widow and has seven children aged 33 to 59 years. In her twenties she moved from Cartagena to Banrranqullia with her 2-year old daughter and the dream of increasing her income. At first she worked as a domestic servant. Some time later she got married and had her other children. She bought her first house and began cooking and selling food such as soup, hayacas (meat wrapped in cornmeal dough and banana leaves), and fried items. Later she bought a larger house in Santa María where she has lived now for 35 years. Lilia is a role model with her business drive and her well-mannered seven children. While she was bringing them up, she taught them honesty and the value of work.

Encouraged by her daughter (who is also a client of the Foundation), about three years ago Lilia learned more about its programs and since that time has had two loans. She has used the money to expand her business and thus earn more money to cover household expenses. Her dream is that those of her children who do not yet have a home of their own will one day have their own house. Her goal is to make some physical changes to her business. High and low seasons give her some problems as her income is higher at certain times of the year. During those times she has to work harder and make sure she saves money for the tough times so she has enough to live on and not cause problems for anyone.
View original language description ↓
En el Barrio Santa María al Sur Occidente de Barranquilla, los vecinos son muy solidarios y constantemente reúnen fondos para obras que embellecen la zona y ayudan a que fluyan nuevos clientes en sitios donde antes no llegaban; este es el entorno en que se desenvuelve Lilia Esther C. de 71 años y su familia, que viven muy cerca a un lugar llamado "la Cascada", donde se realizan reuniones políticas y actividades como la celebración del día de la mujer entre otras, impactando el aumento de las ventas en la Miscelánea y refresquería que tiene Lilia, porque siempre hay un motivo de celebración; en la actualidad su refrigeración se ha tornado muy mala, porque un congelador “sacó la mano” y ella quiere reemplazarlo, por eso está solicitando su tercer crédito a la Fundación Mario Santo Domingo por valor de $1.800.000.

Lilia Esther es viuda y tiene 7 hijos de 33 a 59 años de edad, ella desde sus 20 años llegó a Barranquilla procedente de Cartagena con una hija de 2 años y la ilusión de mejorar sus ingresos trabajando inicialmente como empleada doméstica; tiempo después, se comprometió con su cónyuge y tuvo sus otros hijos, compro su primera casa y desde allí comenzó a preparar y vender alimentos como sopas, hayacas y fritos, finalmente adquirió una casa mas amplia en el barrio Santa María, donde aun vive hace mas de 35 años. Lilia es un ejemplar mujer que con su empuje para el negocio, logró criar 7 hijos con muy buenas costumbres, enseñándole principalmente la honestidad y el valor por el trabajo.

Hace casi tres años impulsada por su hija, que también es clienta de la Fundación, se acercó a conocer sus programas y desde entonces ha recibido 2 créditos, con ellos ha ampliado su negocio y adquirió mejores ingresos para satisfacer las necesidades del hogar. Sueña con que algunos de sus hijos, que aun no tienen una casa propia, puedan gozar de un bien familiar y tiene como meta organizar físicamente su negocio realizando algunos arreglos locativos.
Sus mayores desafíos están relacionados con las temporadas altas y bajas, a las que siempre debe estar atenta, porque en las altas se incrementan sus ingresos pero también su trabajo y debe ahorrar, para que en “épocas de vacas flacas” o temporadas bajas, ella pueda resolver sus necesidades y no quedarle mal a nadie.

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
  • 178
    View loans »
    Colombia Loans Fundraising
  • $12,868,250
    Funds lent in using Kiva
  • 1,978.1
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Lilia Esther to buy a freezer.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 19, 2010
Listed
May 20, 2010
Currency Exchange Loss:
Covered
Ended:
Jun 15, 2012