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Suhey Maria
Suhey Maria is a 34-year old woman who lives with her common-law husband and their three children, aged 1 and 17 years old. She has a business selling deli meats, but she also sells clothing and shoes for both men and women. Her main clientele is made up of housewives, young people and employees and neighbors in the sector and the surrounding areas. Her business has helped her husband provide for the family. The family is made up of 3 children who are going to school and to whom she dreams of supporting them every day, to see them have a career and become successful.

Her life as a merchants started when she saw the need to obtain and additional source of income to positively impact the household. She asked her father to sell her cheese on credit, in order to start out in the market. And that's how she started. At the start she had 20 pounds of cheese but later she took on 30 pounds because the sales had increased. It occurred to her later on to invest the earnings from this business sin the purchase of merchandise. Given that she had such a large clientele buying cheese she managed to build her own store to sell products such as clothing and shoes. Her idea was a success and the clientele that she had was an important base to start a new business. Currently she has fifty regular clients and search one visits her constantly. She is happy to make her sales and this translated into a positive impact to the merchant community.

Suhey sells on credit, taking payments every 3 months. She buys in wholesale and obtains discounts of 30% to 40%. During the year she sees an increase in sales in certain months: May, June, September, November, and December. Her dream is to expand her business selling many other products to a large and demanding client base. It is very likely for this to happen because Suhey is a very charismatic woman. She still has enough time for everything but especially to provide loving care to her children, and to earn a good income from her work. Currently she will invest her Kiva loan in the purchase of deli meats, ladies clothing, and ladies and gentlemen’s shoes. This investment will reach any potential clients and make them into regular clients. She
Has set her goal and this investment will help her meet their demands. This Kiva loan is her second through Fundacion Mario Santo Domingo (Kiva Field Partner) and she has been with the organization for two years. Since she started with this organization she comments that "her life did a 360 turn because they have helped her establish a credit history and this have helped her pave the way towards success".
View original language description ↓
Suhey Maria es una mujer de 34 años que vive con su cónyuge y tiene 3 hijos en las edades de 1 a 17 años; ella tiene un negocio donde vende carnes frías, pero también comercializa con ropa y calzado femenino y masculino, sus principales clientes son amas de casa, jóvenes y en general empleados, vecinos del sector y de sus alrededores; con su negocio han logrado apoyar la gestión de su esposo en el hogar, que conforman con sus 3 hijos estudiantes y con los que sueña apoyarlos intensamente, para que se proyecten como unos profesionales de bien y muy prósperos. Su vida como comerciante inició, cuando, por la necesidad de obtener otros ingresos para impactar positivamente su hogar, le pidió a su papa que le vendiera queso a crédito, para iniciarse en el mercado y fue así, como comenzó con 20 libras, que posteriormente fueron 30, porque gradualmente se incrementaron sus ventas; luego se le ocurrió, con las utilidades obtenidas por la venta de este producto, invertirlas en mercancías, aprovechando que tenia muchos compradores de queso, que se constituyeron en su primer mercado de productos, como ropa y calzado, porque esta idea prosperó, ya que la acogida de esta clientela fue una base importante para el desempeño de su nueva actividad. En la actualidad tiene cincuenta clientes fijos y cada uno la refiere constantemente, pues tiene alegría en el vender y esto manifiesta un buen servicio a la comunidad de compradores. Suhey otorga a ellos créditos con plazos a 3 meses, ella compra al por mayor y obtiene descuentos de un 30 a un 40%. Durante el año los meses en los cuales incrementa sus ventas son Mayo, Junio, Septiembre, Noviembre y Diciembre. Su sueño es ampliar su negocio vendiendo muchos más productos a toda una gran clientela que la esperan, Y esto es lo más probable que ocurra, porque Suhey es una mujer con un gran carisma, que le alcanza el tiempo para todo y especialmente para darle amor a sus hijos, atenderlos y obtener buenos ingresos por su trabajo. En la actualidad aplica a su credikiva con el cual comprará carnes frisa, ropa femenina, calzado para damas y caballeros y augura una inversión exitosa por su potencial mercado a quienes piensa convertir en sus clientes, pues ha hecho su preventa y con esta inversión responderá a ellos. Su credikiva es el segundo crédito con la Fundación Mario Santo Domingo organización a la que está vinculada hace dos años y con la que manifiesta que desde que comenzó en ella “su vida dio un giro de 360 grados, porque le ha ayudado a hacer historia crediticia y esto ha iluminado su camino hacia el éxito”.

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
  • 251
    View loans »
    Colombia Loans Fundraising
  • $13,479,900
    Funds lent in using Kiva
  • 1,900.4
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Suhey Maria to use as working capital.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Feb 28, 2011
Listed
Feb 25, 2011
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2012