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Bernilda Rosa
Bernilda J. is 65 years old. She sells cosmetics, perfumes and costume jewelry. She is married and has one child. In her neighborhood of Educador, in the city of Cartagena and the surrounding areas, everybody knows her because she has a small general store in her home and she distributes merchandise. She usually sells cosmetics, perfumes and costume jewelry for a very good price and she does this with a lot of happiness and energy.

This is Bernilda's second loan from Fundación Mario Santo Domingo and she will use it to buy perfumes and cosmetics, taking advantage of the fact that her customers buy more of these products in the December season because this is when she knows that her customers receive bonuses and money with which they can buy everything that they need in a year but can't obtain.

Bernilda has been a businesswoman for 15 years. Initially she maD. and sold lunches to a construction company from her home but she gradually started to change her business activity due to the fluctuations in the market and the very frequent periods of low sales. However, she changed direction, taking advantage of the fact that she had attracted a substantial domestic customer base and started exclusively selling costume jewelry, cosmetics and perfumes in her local district and surrounding areas which is where she distributes her products on credit. She sells for cash and also plans payment systems for individual customers. Usually this is with customers who she has got to know and who she knows are very good at paying in installments.

Bernilda hasn't only received loans from Fundación Mario Santo Domingo but also training in how to run her business. For this reason, she knows very well how to manage her income. Her dream is to expand her business. She does not neglect her business because she knows that with constant hard work and discipline, you can achieve anything. Although she doesn't have much working capital, she will soon become successful which is what she wishes for.
View original language description ↓
Bernilda J. es una mujer D. 65 años dedicada a la venta D. cosméticos, perfumería y fantasía en general. Ella es casada y tiene un hijo, que en su barrio Educador D. la ciudad D. Cartagena y sus aledaños todo el mundo conoce porque tiene una pequeña miscelanea en su casa y reparte mercancía, ella usualmente se mueve entre cosméticos, perfumes y fantasías, a un muy buen precio y con mucha alegría y dinamismo. Este es su segundo financiamiento con la Fundación Mario Santo Domingo con el cual comprará perfumería y cosméticos aprovechando que sus clientes D. estos productos se provisionan con mayor intensidad en la temporada D. Diciembre, porque conoce que la gente recibe primas, bonificaciones, dineros que le ayudan a comprar todo lo que en un año necesitan y no pueden obtener. DesD. hace 15 años es negociante, inicialmente preparaba almuerzos que vendía a una constructora desD. su casa, pero gradualmente fue cambiando esta actividad por las fluctuaciones del mercado y muy frecuentes épocas D. bajas ventas, pero dio un viraje aprovechando que había logrado una importante clientela doméstica y se ha dedicado exclusivamente a vender fantasías, cosméticos y perfumes en su zona D. residencia y en las aledañas , que es principalmente donD. distribuye a crédito sus productos; ella venD. D. contado y tambien planea el financiamiento D. cada clientes, usualmente es con la misma gente que durante su experiencia ha logrado conocer y sabe que son muy buenas pagadoras D. sus cuotas.
Con la Fundación Mario Santo Domingo Bernilda no solo ha recibido financiamiento, sino también el aprendizaje D. cómo administrar su negocio y por eso tiene conciencia muy clara del manejo D. sus ingresos. Su sueño, el D. ampliar su negocio, no lo abandona porque sabe que con esfuerzo constante y disciplina todo se logra, aunque su capital D. trabajo no es D. gran proporción, poco a conseguirá ser exitosa como ella quiere.

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
  • 499
    View loans »
    Colombia Loans Fundraising
  • $14,958,950
    Funds lent in using Kiva
  • 1,905.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Bernilda Rosa to buy perfumes and cosmetics, taking advantage of the fact that her customers buy more of these products during the December season.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 24, 2010
Listed
Nov 29, 2010
Currency Exchange Loss:
Covered
Ended:
Nov 15, 2011