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Bertha Rosa
Bertha Rosa Díaz B., 48, lives in the Los Almendros de Soledad neighborhood with her spouse and two children who are 14 and 20 years of age.

Her business consists in sale of clothing, kitchen items and cosmetics via catalogue orders that she places with a distributor but she also buys direct from a market in downtown Barranquilla.

She started out selling catalogue kitchen and cosmetic items, a business to which she was referred by a neighbor who recognized her enterprising capacity. Her greatest talent, however, is clothes-making but, the lack of funds to launch this potential, caused her to lean toward merchandise sales since working with middlemen on credit was a possibility.

This is how she started with Fundación Mario Santo Domingo over 10 years ago when she would go to Maicao. However, she stopped doing that and now the Kiva loan is her second financing because she needs part of the funds to buy a vertical display case to exhibit her merchandise and part of it is to buy clothes and small home appliances to prepare for the second semester of the year which is when sales peak.

Her dream is to have a locale that is well equipped with everything necessary for a good, permanent and attractive display of products.
View original language description ↓
Bertha Rosa Díaz B. tiene 48 años y vive en el barrio Los Almendros de Soledad, con su cónyuge y sus dos hijos en las edades de 14 y 20 años.
Tiene un negocio que consiste en la venta de productos como ropa artículos para cocina y perfumería en general, mediante guías especializadas, que le suministra un proveedor y también adquiere a través de la compra directa en el centro de Barranquilla. Comenzó vendiendo por catálogos artículos para cocina y perfumería en general, negocio referido por su vecina conocedora de su capacidad como emprendedora y también porque siendo su mayor fortaleza la confección, la inexistencia de un capital de trabajo para poner en practica este potencial, hizo que se inclinara por la venta de mercancía, teniendo en cuenta la facilidad de trabajar con intermediarios a crédito; así fue como inició con la Fundación Mario Santo Domingo hace mas de 10 años cuando viajaba a Maicao, pero suspendió y por eso Credikiva es su segundo financiamiento, porque necesita con una parte del crédito comprar una vitrina vertical para exhibir la mercancía y la otra para comprar ropa y algunos electrodomésticos menores preparándose así para el segundo semestre del año que es una temporada donde hay repunte en las ventas. Su sueño es tener adecuado su negocio con un local y todo lo que se requiere para hacer una muy buena y agradable exhibición de sus productos de manera permanente.



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
  • 293
    View loans »
    Colombia Loans Fundraising
  • $13,948,100
    Funds lent in using Kiva
  • 1,812.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Bertha Rosa part is to buy a vertical display case to exhibit the merchandise and part to buy clothing and a few small home appliances to prepare for the second semester of the year which is when there is a peak in sales.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Aug 18, 2010
Listed
Aug 16, 2010
Currency Exchange Loss:
Covered
Ended:
Aug 15, 2011