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Lorena Rocia
Lorena Roció is 44 years old and very well-known in the municipality of San Jacinto for the charisma she brings to whatever she does, especially her job selling clothing, stationery supplies and household items in a general store that she runs on the side of her home. She is an architecture student, which adds value to her business by using its natural aesthetics to attract customers who otherwise wouldn't notice it. Her mother and siblings have always supported her entrepreneurial ideas. A long time ago she started out selling meat, but since that business only operated during the morning she decided to start selling merchandise out of the side of her home. She took out her first loan with Kiva partner Fundación Mario Santo Domingo six years ago, and since then she has received a total of eight loan with which she has been able to stock her store with supplies. She has invested the profits into making improvements on her home. She bought household appliances to make her domestic life easier. Now her dreams are to expand her business and build an apartment on the side of her store and put it up for rent, and in this way generate a new source of income for her family. With her loan she plans to purchase clothing, stationery supplies and household items and investment that projects a gross profit of 40 percent with a high probability of success. In her experience, December, January and February are the months where she makes the most sales. Lorena is pleased that her business is located in a business corridor on the main avenue because she permanently has a view of many of her customers and passersby, which means she is always thinking of ways to invest new working capital and finding financial leverage with loans from Fundación Mario Santo Domingo.
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Lorena Roció mujer de 44 años muy conocida en el Municipio de San Jacinto, por el carisma que imprime en cada uno de sus actos, especialmente cuando lo aplica a su negocio de vender ropa papelería y detalles para el hogar en una miscelánea que tiene en un local al lado de su vivienda. Ella es una estudiante de arquitectura que agrega a su negocio valor, por su perfil de estudios y por su potencial natural relacionado con la proyección de la imagen del mismo y la estética, que hasta a una persona desapercibida impacta cuando pasa por este lugar. Su madre y sus hermanos siempre le han apoyado sus ideas emprendedoras, ella hace mucho empezó vendiendo carne, pero como este negocio solo funciona en las horas de la mañana se inventó el de vender mercancías y lo ubicó en un lugar al lado de su casa. Su vinculación a la Fundación Mario Santo Domingo es desde hace seis años, durante ellos ha recibido ocho financiamientos, con sus créditos ha logrado adecuar su local para la venta de mercancías, sus utilidades se han visto reflejadas en la inversión locativa que hizo a su vivienda, compra de electrodomésticos para facilitar y disfrutar de su vida doméstica. Ahora sus sueños se dirigen a ampliar su negocio y hacer un apartamento al lado del local para ubicarlo en arriendo y que este genere a su familia otro nuevo ingreso. Con su credikiva comprará ropa, papelería y detalles para el hogar, inversión con la que proyecta una utilidad bruta de un 40%, con alta probabilidad de éxito, pues su experiencia le indica que Diciembre, Enero y Febrero son las épocas de mayor repunte en sus ventas.
Lorena está satisfecha de que su negocio esté ubicado en un corredor comercial en la avenida principal, porque permanentemente tiene la visita de muchos de sus clientes y de transeúntes, lo cual hace que ella esté siempre pensando en término de invertirle un nuevo capital de trabajo y en la búsqueda de un apalancamientos financieros con la Fundación Mario Santo Domingo.


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

  • $11,100
    Average annual income
  • 466
    View loans »
    Colombia Loans Fundraising
  • $15,266,825
    Funds lent in using Kiva
  • 1,881.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Lorena Rocia purchase clothing, stationery supplies and household items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 12, 2010
Listed
Nov 19, 2010
Currency Exchange Loss:
Covered
Ended:
Dec 15, 2011