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Elsie De Dios
Elsie O. A. is always busy doing something productive, because she moves easily from one activity to another, and this is part of her daily routine. She has several businesses: she runs an Internet café, where she offers telecommunications services and also rents washing machines; she has a display case where she sells merchandise; and if that weren't enough, she prepares fried foods, skewers, "fingers" and little empanadas, and she also makes the most delicious fruit-flavored ice creams in her neighborhood, which is located near La Playa.

Recently, two of her washing machines have been malfunctioning. She needs to repair them, and she also needs to replace the tables in her Internet café. However, at the same time, she needs to prepare herself with enough new merchandise to sell, especially for Valentine's Day and Friendship Day, which is coming up soon. For this reason, she is requesting a Kiva loan in the amount of 2,000,000 COP to achieve this.

Her entrepreneurial career began 10 years ago, when a Sister of Charity in a religious community, the director of a school, suggested that she organize an associative group to prepare preserved food in the township of La Playa. Thus, with other neighbors, she received technical training in food preparation and also came to the Mario Santo Domingo Foundation for technical advice in standardizing and diversifying their products. They also learned how to manage their business administratively, in order to gain access to loans. This business went very well, but Elsie found that the heat caused her many health problems, and she had to abandon this work and look for other alternatives. Thus, some 5 years later, she was preparing preserved foods and ice cream in her own home, and three years after that, she applied for an individual loan from the Foundation to buy washing machines. Through her work and with the help of 6 loans, she has been able to set up a shop in her home and has added other services such as the Internet café, which now has 2 more computers and generates work not only for Elsie herself, but also for a niece and her husband. The latter helps her with the transportation of the washing machines, because he works independently in a field that is highly seasonal, and much of the time he has to wait around for opportunities to work.

Elsie has two sons; one is a systems engineer, and the other is studying to become a culinary technician. She affirms that her family is very united, and because of this, with hard work and great efforts, they have been able to get ahead. However, she still remembers the first impetus given to her by Sister Olì, the nun at the church, who brought her into contact with the Foundation, and she appreciates this very much.

Her goal now is to officially register her business and expand it, but she is currently facing the challenge of finding an Internet provider that offers her better service than her current one. Elsie is pictured in her Internet cafe.
View original language description ↓
Elsie O. A. siempre está haciendo algo productivo, porque pasa de una actividad a otra con facilidad y es que esto es parte de su rutina diaria; ella tiene varios negocios: un café internet, donde ofrece servicios de telecomunicaciones, impresiones, fotocopiaje y también alquila lavadoras, tiene una vitrina donde vende mercancías y como si fuera poco elabora fritos, chuzos, deditos, empanaditas y también prepara los más deliciosos helados de frutas de su barrio, ubicado en un sitio cercano a la Playa.

Últimamente 2 de sus lavadoras, están funcionando mal y necesita repararlas y también requiere cambiar las mesas de su café internet, pero igualmente tiene que prepararse para tener inventarios de mercancías renovadas para ofrecerlas, especialmente el día del amor y de la amistad que ya se acerca, por eso acude a su credikiva por valor de $2.000.000 COP para lograrlo.

Su carrera emprendedora inició hace 10 años, cuando en una comunidad religiosa una hermana de la caridad, directora de un colegio, le propuso organizar un grupo asociativo, para elaborar conservas en el Corregimiento la Playa, así fuè como con otras vecinas se prepararon técnicamente para aprender a elaborarlas y también acudieron a la Fundación Mario Santo Domingo para recibir asesoría técnica en la estandarización de los productos y diversificación de los mismos y se prepararon administrativamente en el manejo del negocio , para finalmente acceder a créditos , este negocio fuè muy bueno; pero a Elsie el calor la dejó con muchos quebrantos de salud y debió abandonar esta actividad y dedicarse a buscar otras alternativas, así fuè como 5 años después en su propia casa preparaba conservas y helados y tres años después solicitó crédito individual a la Fundación , para comprar las lavadoras y mediante su trabajo y 6 créditos ha ido adecuando un local de su vivienda y agregando otros servicios como el del café internet que ya tiene 2 computadores más y genera no solo su propio forma de trabajo , sino también la de una sobrina y su esposo, este último la apoya en el transporte de las lavadoras, pues el independientemente realiza una actividad muy estacionaria y la mayor parte del tiempo debe esperar a que le salga trabajo.

Elsie tiene dos hijos y uno de ellos es ingeniero de sistemas y el otro estudia para ser técnico de cocina. Ella afirma que su familia es muy unida y por eso con trabajo y grandes esfuerzos han salido adelante, pero aún recuerda el primer impulso que le hizo Sor Olì , la hermanita de la iglesia, quien gestionó el que ella estuviera vinculada a la Fundación y esto lo agradece mucho.

Su meta ahora es legalizar su negocio y ampliarlo pero tiene el desafío del encontrar un operador de internet que le ofrezca un mejor servicio que el actual. En la foto, Elsie sale en su café internet.

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
  • 282
    View loans »
    Colombia Loans Fundraising
  • $13,600,025
    Funds lent in using Kiva
  • 1,820.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Elsie De Dios repairing 2 washing machines and buying tables for her Internet café and merchandise to stock her display case for Valentine's and Friendship Days.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 6, 2010
Listed
Aug 10, 2010
Currency Exchange Loss:
Covered
Ended:
Sep 17, 2011