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Viviana Esther
From Barranquilla by birth and with a beautiful 9 year old daughter, for the last year she has sold merchandise like footwear, cosmetics, home appliances, toys, paper goods and school supplies. She has another income producing activity: providing pedicure, manicure and haircut services. She has always enjoyed being independent and she lives very happy because her business is home based and she can watch over her daughter. She is currently taking artisanal shoemaking courses through SENA (National Education Service).

Her business is called Miscelánea Emanuel (Emanuel Miscellany). It is located in the Carrizal neighborhood in south Barranquilla in the family home she shares with her parents and grandmother. It has good infrastructure and she acquired fixed assets, like glass shelving and merchandise display cases, using saving from several years back thereby meeting her goal of attaining good appearance; she managed this with much effort.

Her usual customers are residents of Carrizal and neighboring areas where she is well known because Viviana learned her mercantile skills from an aunt that taught her and urged her to continue forward with the goal in mind of helping her daughter have a better future after the separation from her husband.

This is her first loan with Fundación Mario Santo Domingo and first Kiva loan. She will use it to buy footwear at wholesale getting a 30% discount for paying cash. This way her profit margin will be 50%. Her current monthly average sales in Emanuel Miscellany are $1.000.000 COP. With the loan sales will increase thanks to the new capital and thanks to being able to offer better service. She will also invest in the purchase of school supplies because the first trimester of the school year is traditionally of high demand for these items.

Her investment will be successful because her clientele has good payment habits, a selection process, she’s very positive and a believer and besides, she already has 80% of the demand for these products resolved because of their good quality.

Viviana V. is a hard working woman with dreams. She hopes to have a house of her own and to place her daughter in an environment leading to a successful future as well as a leatherworking workshop that will generate employment.
View original language description ↓
Barranquillera de nacimiento y con una hermosa hija de 9 años, desde hace un año se dedica a la venta de mercancías como calzado, cosméticos, electrodomésticos juguetería, papelería y útiles escolares; tiene otra actividad que le genera otros ingresos en la prestación de servicios de pedicure, manicure corte , siempre le ha gustado ser independiente y vive muy feliz por tener el negocio en su casa y no desatender a su pequeña hija , actualmente se capacita a través del Sena en la elaboración de calzado artesanal.
Su negocio llamado Miscelánea Emanuel, esta situado en el barrio Carrizal al sur de Barranquilla en una vivienda familiar que comparte con sus padres y su abuela; está dotado de una buena infraestructura y adquirió activos fijos, como vitrina estantería y exhibidores de mercancías, con sus ahorros de varios años, cumpliendo su meta de lograr una buena presentación y esto fue con mucho esfuerzo. Los clientes con los que cuenta son personas naturales y vecinos del barrio carrizal y de sus aledaños en los cuales es bien conocida, porque Viviana aprendió su actividad mercantil de una tía que la enseñó e impulsó a seguir adelante, todo con el propósito de ayudar a su hija a darle un mejor futuro, después de la separación de su esposo.
Este es su primer financiamiento con la Fundación Mario Santo Domingo y también su credikiva, el cual invertirá en la compra al por mayor de calzado y obtendrá un 30% descuentos por la compra de contado, de esta manera su margen de utilidad aproximado seria de un 50%; en la actualidad su promedio de ventas en su Miscelánea Emanuel es de $1.000.000 COP mensuales, con su crédito se incrementaran las ventas, por su nuevo capital y por ofrecer un mejor servicio; también invertirá en la compra de útiles escolares, pues es usual que el primer trimestre del año sea de gran demanda de estos artículos. Su inversión seria exitosa porque adicionalmente tiene una clientela con un buen comportamiento de pago, un proceso de selección, es muy positiva y creyente y además ya tiene el 80% de la demanda de estos productos resuelta por su buena calidad.
Viviana V. es una mujer soñadora y trabajadora, ella aspira a tener su propia casa y ubicar a su hija en un entorno para que tenga un futuro exitoso y un taller de marroquinería generador de empleo.

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
  • 136
    View loans »
    Colombia Loans Fundraising
  • $12,811,350
    Funds lent in using Kiva
  • 1,862.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Viviana Esther to buy footwear and school supplies at wholesale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 31, 2011
Listed
Feb 1, 2011
Currency Exchange Loss:
Covered
Ended:
Feb 15, 2012