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Ruby
Ruby del Carmen O. lives in the town of Soledad, which is located in the Department of Atlántico and the home of the most delicious handmade sausages in Colombia. Ruby is a very energetic and hardworking woman. She sells a little bit of everything. Ruby can be found making fried foods such as arepas, empandas, carimañolas, hayacas, and often at the same time so that she can sell them in the Department of Sucre in Colombia. With her traveling papers in hand, she also brings with her merchandise such as clothing, sandals, silver jewelry, and other accessories to sell while she is there. When she returns home, she brings back with her boxes of cheese, avocados, and even “diabolines” (delicious toasted cheese snacks that are made in Sucre and sold in the city of Soledad). All of this activity in her life is a result of managing a store for twelve years. She became accustomed to performing a great deal of work each day and now she cannot quit. After her store closed down, she began selling soups from the doorstep of her house. She also started bringing various types of merchandise to Corozal in the Department of Sucre to take advantage of the market owned by her relatives who live there. Upon her return home, she brought back “diabolines”, cheese, and avocados to sell. These businesses generated good results and she continues to manage them.


Ruby has participated in the programs of Fundación Mario Santo Domingo for one year. Her previous loan replaced other expensive loans, one with a monthly interest rate of 10%. This new loan had a lower rate and more favorable terms. At the moment, she is requesting her second loan from the organization in order to buy clothing, flour, cheese, “diabolines”, and oil. Her dream now is to have a house of her own and see her son finish his law degree, which would give her a sense of accomplishment.


Ruby is a courageous woman who lives with her husband and two children, ages 24 and 25. She says that her everyday life is a huge challenge, but it does not prevent her from hoping that everything will magically happen.

View original language description ↓
Ruby del Carmen O., vive en el municipio de Soledad, la tierra de las butifarras artesanales más deliciosas y antiguas de Colombia en el departamento del Atlántico. Ruby la muy inquieta y trabajadora mujer, vende de todo un poco: usted puede verla elaborando fritos, como arepas, empanadas, carimañolas, hayacas y simultáneamente lista para viajar al departamento de Sucre, en Colombia, con su libreta de registros y mercancías como ropa, sandalias, prendas de plata y otros accesorios para allí venderlos, y también puede verla de regreso a su casa, con cajas de queso, aguacates y hasta diabolines (deliciosos pasabocas de queso y tostado elaborados en Sucre para venderlo en el municipio de Soledad. Todo este movimiento en su vida se lo debe a que hace 12 años tuvo una tienda y se acostumbró a realizar un gran esfuerzo de trabajo diario, que ahora no puede parar. Así que después de fracasar en la tienda, empezó a vender sopas en la puerta de su casa, y agregó mercancías variada para llevarla a Corozal en el departamento de Sucre, aprovechando el mercado natural de sus familiares que allí viven y de esta misma ciudad regresa con diabolines, queso y aguacates para la venta, negocios de buen resultado y que aún persisten.
Ruby tiene un año de estar vinculada a los programas de la Fundación Mario Santo Domingo y con su crédito anterior ha logrado reemplazar los préstamos costosos, a una tasa de interés de un 10% mensual, por una tasa más baja y en plazos apropiados. En la actualidad solicita su segundo crédito a esta organización, para comprar ropa, harina, queso, diabolín y aceite. Su sueño ahora es tener una casa propia y que su hijo termine la carrera de derecho, con lo que se sentiría muy realizada.
Ruby es una mujer muy valiente que vive con su cónyuge y 2 hijos de 24 y 25 años, ella afirma que su diario vivir es un gran desafío, pues nunca se queda quieta esperando que todo le llegue por arte de magia.

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
  • 491
    View loans »
    Colombia Loans Fundraising
  • $15,259,900
    Funds lent in using Kiva
  • 1,865.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Ruby to purchase clothing, "diabolines", oil, flour, and cheese.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 25, 2011
Listed
Mar 28, 2011
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2012