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Zoraya
Zoraya C. Rodríguez has a restaurant in the north of the city of Barranquilla. She worked for a company for several years but when she lost her job she decided to set up her own business. Although she didn't have any experience in culinary matters, she managed to hire an expert cook who taught her all the secrets of the trade. Most of her sales are of reasonably-priced fast food. She has managed to attract a large customer base which is primarily made up of university students and people who work in nearby offices. This small businesswoman considers that the success of her business is down to the excellence of her meals, her reasonable prices and above all the kind service which she gives everybody who visits her establishment.

This is Zoraya's sixth loan with Fundación Mario Santo Domingo and her first Kiva loan. She plans to invest it in buying supplies and a number of plastic tables and chairs. She has always stood out because of the punctuality of her loan repayments and the enthusiasm which she has for taking part in all the activities which Fundación Mario Santo Domingo organizes.

Zoraya's restaurant sells on average 60 lunches a day at 4,000 Colombian pesos each. Her average profit margin is 41%. Zoraya plans to expand her sales of special dishes to nearby office workers with high incomes. As well as employing its owner, her business has also created jobs for three women who are heads of their families. Zoraya describes herself as a happy woman who really enjoys her work because she has daily contact with the public.
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La señora Zoraya C. Rodríguez tiene un restaurante en el norte de la ciudad de Barranquilla. Ella fue empleada durante varios años y al quedar sin empleo decidió crear su propio negocio. Aunque la señora Zoraya no tenía experiencia en temas de culinaria, logró contratar a una experta cocinera que le enseñó todos los secretos del oficio. La mayoría de las ventas son de comidas corrientes a precios económicos por lo cual ha logrado conquistar una gran clientela formada principalmente por estudiantes universitarios y empleados de oficinas cercanas. La microempresaria considera que el éxito de su negocio se debe a la exquisitez de sus comidas, precios económicos y sobre todo al trato amable que le dispensa a todo el que la visita. Este es el sexto crédito que la señora Zoraya tramita con la Fundación Mario Santo Domingo y el primer credikiva. Planea invertirlo en la compra de víveres y varias mesas y sillas plásticas. Siempre se ha destacado por su puntualidad en los pagos y mucho entusiasmo para participar en todas las actividades que organiza la Fundación. El restaurante vende en promedio 60 almuerzos diarios a $ 4.000 COP cada uno. El margen promedio de ganancia es del 41%. La señora Zoraya planea ampliar las ventas de platos especiales a empleados de oficinas cercanas con altos ingresos. Además de la usuaria, el negocio genera otros tres empleos directos a mujeres cabeza de hogar. La microempresaria se define como una mujer alegre que disfruta mucho su trabajo por el contacto diario con el público.

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
  • $15,270,025
    Funds lent in using Kiva
  • 1,912.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Zoraya to buy food supplies and several plastic tables and chairs.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 30, 2010
Listed
Nov 30, 2010
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2012