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Amira  Luz
Amira R. and her husband have worked hard at their business they started after her brother-in-law suggested they establish a retail outlet selling products from their home. They were able to stock their business using the first few loans they received from Fundación Mario Santo Domingo, an organization that has helped them make adjustments to their store, increase their sales, and provide an education for their children. Amira’s retail business is situated in a good location, but this is not the only activity in which she is involved. She also prepares turnovers, “arepas” (flat cornbread stuffed with various fillings), and fried foods that many families consume for breakfast. In addition, she offers telecommunication services from her store provided through SAI, which was the original product she provided through her business.


Amira says she started her business because she did not want to perform household chores all day and then sit around with her arms crossed while waiting for her husband to bring home a paycheck. She is a hard worker who wakes up at 4am to prepare the cornmeal. By 6am, Amira and her mother begin selling fried foods. Later in the day, she organizes the merchandise that her husband and an employee have to deliver to their customers. They have two pushcarts that they use to transport goods through the streets of Soledad. Amira has more than 500 customers, so she has to prepare the same number of invoice cards that state the customer’s name, the amount that has to be collected each week, and the list of products that have been delivered over the long term. Her dream is to have several retail outlets and a large warehouse. She currently wants to prepare for the year-end season when she sells more merchandise such as toys, small appliances, and clothing. For this reason, she plans to use her Kiva loan to stock these items. Her greatest challenge is the high level of competition in the area, so she wants to sell what her customers need.

View original language description ↓
Amira R., ha trabajado mucho con su cónyuge en un negocio que idearon cuando su cuñado les propuso venderle un punto de venta de productos para el hogar, que ellos surtieron con los primeros financiamientos recibidos de la Fundación Mario Santo Domingo, organización con la que han logrado hacerle adecuaciones a su local, incrementar sus ventas y poder educar a sus hijos. Y es que Amira no solo tiene el negocio de mercancía en punto de venta bien ubicado, sino que además elabora empanadas, arepas y otras frituras y las familias de su vecindad se desayunen con sus productos; así mismo en su local puso un servicio de telecomunicaciones o SAI, que fue su primera inspiración empresarial, porque ella dice que una mujer no debe quedarse haciendo los oficios domésticos y con los brazos cruzados, esperando el ingreso de su marido. Amira es una gran trabajadora, se levanta a las 4: 00 AM para preparar la masa y a las 6 se dedica con su madre al oficio de la fritangueria, luego organiza todo lo que su esposo y un empleado deben llevar a los clientes, porque tiene 2 carretillas donde transportan por todas las calles de Soledad, la mercancía que vende y tiene mas de 500 clientes y este mismo número de tarjetas donde anota los nombre y el valor que de cada uno de ellos recupera semanalmente y que está distribuido en módicas cuotas pero en plazos largos. Su sueño ahora es tener varios puntos de venta y un gran almacén, en la actualidad quiere prepararse para la temporada de fin de año, donde las mercancía que más se comercializas son los juguetes, los electrodomésticos menores y la ropa y eso es lo que justamente quiere hacer con su credikiva, surtirse de estos artículos, porque su gran desafío es la gran competencia del sector y por eso ella venderá lo que su clientela necesite.

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
  • 279
    View loans »
    Colombia Loans Fundraising
  • $13,618,075
    Funds lent in using Kiva
  • 1,802.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Amira Luz purchase toys, small appliances, and clothing.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 30, 2010
Listed
Oct 3, 2010
Currency Exchange Loss:
Covered
Ended:
Oct 15, 2011