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Martha Lucia
Martha Luisa Becerra S. is 41 years old and lives in Los Almendros, municipality of Soledad, with two children age 12 and 14 years. That is where she runs her business called “Tienda y Comunicación donde Martha” (Shopping and Communication at Martha’s), which she has been operating for ten years in a leased facility.

She offers a wide number of services: selling snacks, groceries and drinks, photocopies, internet, telecommunications, fax and even taking samples for laboratory tests. The business started by being distributed over two locations, one of which she lived in. This created high leasing costs, so she finally gave up one of the locations and is moving her business and lodging to the other.

She is assisted by her children and also has a part-time employee. She also challenges herself at noon, selling lunches and on week-ends selling hot dogs, hamburgers and fries. Martha wants a more promising future for her children, whom she wants to see becoming good and successful people.

The move means local adjustments requiring unbudgeted investments, but will result in greater time availability to meet the diverse business requirements. As a result she is requesting a Credikiva loan which will be invested in a metal shutter, a freezer and in the realignment of her business leases. This is her third financial loan granted by the Mario Santo Domingo Foundation, which has helped her establish her business in a very commercial and secure location.

Her dream is to acquire a home of her own to provide the best living conditions for her children and ensure they receive quality education. Her greatest challenge is the high level of competence that requires her to constantly diversify her products and offer the multiple services her customers demand and need.
View original language description ↓
Martha Luisa Becerra S., tiene 41 años de edad y vive en Los almendros, municipio de Soledad, con sus 2 hijos en las edades de 12 y 14 años, allí tiene su negocio llamado “Tienda y Comunicación donde Martha”, que funciona desde hace 10 años en un local arrendado, pero con un gran numero de actividades, vende ranchos víveres, refrescos, ofrece servicios de fotocopiaje, internet, telecomunicaciones, fax y hasta toma de muestras para exámenes de laboratorio, todo esto comenzó distribuido en 2 locales y ella viviendo en uno de ellos, lo cual le generó altos costos por el arrendamiento , así fue como entregó un local y trasladó a uno de ellos sus negocios y su vivienda, allí le ayudan sus hijos y también tiene un empleado de medio tiempo, porque ella se combate también los medios día, vendiendo almuerzos y los fines de semana perros calientes, hamburguesas y fritos, porque Martha quiere un futuro mas promisorio para sus hijos a quienes quiere ver convertidos en gente de bien y exitosa. Este traslado le significa adecuaciones locativas que requieren inversiones no presupuestadas, pero se traducen en mayor disponibilidad de tiempo para atender los diversos negocios, por eso recurre a un Credikiva el cual invertirá en una estera metálica, un congelador y en la adecuación locativa de su negocio. Este es su tercer financiamiento con la Fundación Mario Santo Domingo organización que la ha apoyado para ubicar su negocio en un punto muy comercial y con mayor seguridad. Su sueño es poder conseguir una vivienda propia para brindarle las mejores condiciones habitacionales a sus hijos y proporcionarle una educación de calidad. Su gran desafío es el alto nivel de competencias que la obliga a diversificar constantemente sus productos para ofrecer multiples servicios que sus clientes requieren y necesitan.

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
  • 153
    View loans »
    Colombia Loans Fundraising
  • $13,171,600
    Funds lent in using Kiva
  • 1,890.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Martha Lucia invest in a metal shutter, a freezer, and the realignment of her business leases.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 26, 2010
Listed
Nov 28, 2010
Currency Exchange Loss:
Covered
Ended:
Apr 18, 2013