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Ramiro
Ramiro A. arrived at his sister's home, in the city of Barranquilla, from El Carmen de Bolívar, in 1992. In this city he started working as a construction assistant. He carried out this job for two years and then worked as a shop assistant for 6 months. Finally, he went to Bogotá to 'try his luck', also working in the construction trade. In 1996 he returned to Barranquilla where he sold merchandise on a small scale to neighbors and family members, selling to order. He did this until 1997 when he was assaulted and left with a permanent disability in his legs. That same year he got married and he currently has two children (twins).

Ramiro, in spite of his disability, is a very independent and proactive man. He took courses in handicrafts, specialized in book binding and worked as an instructor while he made diaries and other implements to sell to local university students. He also managed two cafeterias from which he received monthly payment. With the support of some capital from his wife, he started selling towels and sheets that a female friend of his acquired at good prices for him to sell. With the profits he and his wife made, they bought a hot dog cart and hired a worker for it but things didn't work out as they had planned and they saw their capital reduced. Ramiro decided to work in the business himself and in two weeks he doubled his investment since he had a good sales location. He bought his supplies himself in a delicatessen where he went daily in his wheelchair. With the profits he made, he bought another hot dog cart and a pizza oven and hired an employee for each location but this time he took a lot of control of the business and he worked preparing the sauces together with his wife who helped him some nights.

With his savings in an account, he came to Fundación Mario Santo Domingo to apply for and access the social housing programs with government subsidy. He was given a subsidy and obtained a micro housing loan to complete his financial closing. In 2004 he received his house which he adapted.

Ramiro is an exemplary man. He puts a lot of willpower into his activities and doesn't let them fail. For this reason, he has held onto his business every time that he has faced a challenge. He currently has a helper who he pays on a daily basis. In his business, he has a hot dog cart, a pizza oven, one fryer and two sets of table and chairs. He makes on average 200,000 Colombian pesos every weekend with an average increase of 50% on public holidays. He has received loans from Fundación Mario Santo Domingo to adapt his house, to organize his business and also a mortgage loan. His goals are marked by the growth of his business for which he would like to acquire a grill. This will allow him to diversify his services to include meats, grilled chicken and other products. This is the reason he is applying for a Kiva loan.
View original language description ↓
Don Ramiro A., llegó a la ciudad de Barranquilla, a la casa de su hermana, procedente de El Carmen de Bolívar en el año de 1992. En esta ciudad empezó a trabajar como ayudante de construcción durante dos años y luego como ayudante de tiendas durante 6 meses, para finalmente irse a Bogotá a “probar suerte” también trabajando en el oficio de la construcción. En el 1996 regresó a Barranquilla donde de dedicó al comercio de mercancías en pequeña escala a vecinos y familiares por encargo hasta el año 1997, cuando por una agresión quedó con invalidez permanente en sus piernas y en este año también contrajo matrimonio y en la actualidad tiene dos hijos que son mellos.
Ramiro con su discapacidad es un hombre muy independiente, y proactivo, realizó cursos de manualidades, se especializó en la encuadernación, trabajó como instructor, mientras se dedicaba a armar agendas y otros implementos para vender a los estudiantes universitarios del sector; también tuvo en administración las dos cafeterías de las que recibía pagos mensuales.
Con el apoyo de un capital de su esposa empezó a negociar con toallas y sábanas que una amiga le conseguía a buenos precios para que vendiera. Con las utilidades reunidas por él y su esposa, compraron un carro de perros calientes, contrataron un trabajador pero no les dio el resultado previsto y fue en este momento en el que vieron disminuido su capital. Así que decidió trabajar él personalmente, y en dos semanas, duplicó la inversión pues le favoreció que tenia buen punto comercial. Así fue como él mismo realizaba las compras de materiales en una salsamentaría hacia donde diariamente se desplazaba en su silla de ruedas; con las utilidades acumuladas compró otro carro para perros y un horno para pizzas y contrató un empleado en cada puesto, pero con mucho control y él trabajaba preparando las salsas en unión de su esposa, que le ayudaba algunas noches.
Con sus ahorros en una cuenta programada acudió a la FMSD para postularse y acceder a los programas de vivienda de interés social con subsidio del gobierno, donde salió beneficiado con un subsidio y obtuvo un micro crédito hipotecario para completar su cierre financiero y en el año 2004 recibió su casa la cual adecuó.
Ramiro es un hombre ejemplar, la fuerza de voluntad que impone a sus actividades, no le dejan desfallecer y por eso ha mantenido su negocio cada vez que ha enfrentado un desafío. Actualmente tiene un ayudante al que paga su salario por día trabajado. En su negocio tiene un carro de perros, un horno para pizzas, 1 freidor 2 juegos de sillas con sus mesas y le genera un promedio de venta de $200.000 Cop cada fin de semana con un incremento promedio del 50% en días festivos. De la FMSD. ha recibido créditos para adecuación de vivienda, organización empresarial y crédito hipotecario ; sus objetivos están marcados por el crecimiento del negocio para lo cual requiere adquirir una plancha que le permita diversificar sus servicios para incluirle carnes, pollo asado y otros productos y este es justamente la razón por la cual está aplicando a un credikiva

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
  • 473
    View loans »
    Colombia Loans Fundraising
  • $15,262,800
    Funds lent in using Kiva
  • 1,883.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Ramiro to acquire a grill so that he can diversify his services to include meats, grilled chicken and other products.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 9, 2011
Listed
Feb 15, 2011
Currency Exchange Loss:
Covered
Ended:
Nov 15, 2012