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Jenis
Jenis O. Ramírez is 33 years old and lives in Barranquilla where she sells various items such as purses, shoes, dresses, and beauty products. She has been a merchant for 18 years, beginning in the food sector. She sold fried meats and with much effort, dedication, and discipline, gradually increased her working capital, and added a variety of products. This greatly increased her income for her household.

Her main goal is to enlarge her business, to continue helping her husband with their shared family obligations, especially their children's education. Her greatest challenge came when sales decreased with the cold weather at the end of last year. But the business has gradually recuperated and is now back to normal.

This is Jenis’ first loan with Fundación Mario Santo Domingo and Kiva. She will use the money to buy clothing and footwear. With this purchase, she will widen her client base, from past customers to referred customers and future customers. This would guarantee a successful investment of the loan.
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Jenis O. Ramírez, tiene 33 años y vive en Barranquilla, ciudad donde comercializa mercancía variada, como bolsos, calzados, vestidos y productos de belleza; desde hace 18 años se inició en la actividad mercantil, que fue su primera experiencia, en el sector de alimentos, vendía carnes frías y con mucho esfuerzo, dedicación y disciplina, logro reunir gradualmente sus capital de trabajo, incluyendo en su oferta una gran variedad de productos que incrementaron sus utilidades, impactando positivamente los ingresos de su hogar.
Su meta principal es el crecimiento de su negocio, para seguir apoyando a su esposo en las obligaciones familiares que comparten, especialmente en lo que tiene que ver con la educación de sus dos hijos. Su mayor desafío se presento cuando bajaron las ventas por la ola invernal que se presentó a finales del año pasado, pero el negocio de Jenis gradualmente se ha ido recuperando y ha vuelto a la normalidad. Este es su primer financiamiento con la Fundación Mario Santo Domingo y justamente su primer credikiva, con el cual comprará vestuario y calzado, porque con esta venta ensanchará la cobertura de clientes, entre los que se encuentra referidos a los que quiere llegar y de los cuales tomó sus pedidos, esto garantizaría la inversión exitosa de su 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
  • 537
    View loans »
    Colombia Loans Fundraising
  • $14,929,875
    Funds lent in using Kiva
  • 1,892.9
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Jenis buy clothing and footwear.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 25, 2011
Listed
Feb 25, 2011
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2012