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Delma
Delma is a 21 year-old young person that lives in the Bonanza neighborhood in Soledad City with her partner and their two year-old son. She has a business selling soda and cold drinks on the weekends and holidays. This business generates income, which she uses to support their home. Delma has another business, which she does on her free days. She sells various types of merchandise from specialized catalogues. She began her business selling soda and cold drinks when her husband purchased a small refrigerator. Gradually she increase her sales and the business generated income which she used to purchase a refrigerator that can hold more bottles in order to respond to the increasing customer demand and generate more income. Since Delma is an active woman, she began another business. She sells various types of merchandise. She developed this business from the catalogue business she started previously. She sells cosmetics, clothes, accessories and shoes on credit (with payments customized to her customers needs). Delma conducts this business on a 23 percent profit margin, which she would like to increase. This is why she is requesting her first loan from the Mario Santo Domingo Foundation. She will use this loan to buy a large quantity of boxes of beer on a wholesale level. She has a goal of selling these to small businesses. When the small businesses don’t have beer in stock they cannot meet their customer’s requests. Delma knows that this is a good segment of the market as a large number of small business owners can only buy small quantities as they usually have only have a little working capital.
View original language description ↓
Delma es una joven de 21 años que vive en el barrio Bonanza del municipio de Soledad, con su cónyuge y su hijo de 2 años de edad; allí tiene un negocio donde vende refrescos y bebidas frías, los fines de semanas y festivos, el cual le genera ingresos con los que también apoya su hogar; así mismo Delma tiene una actividad comercial a la cual se dedica los días hábiles y esta es la venta de mercancías variada mediante guías especializadas de productos. Delma inició su negocio de refrescos y bebidas frías, cuando su esposo le compró un pequeño enfriador, gradualmente fueron creciendo sus ventas y el negocio mismo generó utilidades que reinvirtió en un botellero de mayor tamaño, para responder la creciente demanda y generar más ingresos; como Delma es una mujer inquieta agregó un nuevo negocio a su vida, el de vender mercancía variada, actividad que desarrolla mediante la distribución personal de mercancía a clientes, a quienes ofrece cosméticos, ropa, accesorios y calzados a créditos, en plazos adaptados a sus posibilidades. Delma maneja en su negocio un margen de utilidad del 23 % que quiere incrementar y por eso está solicitando su primer financiamiento a la Fundación Mario Santo Domingo, con el comprará cajas de cerveza en mayor cantidad, pues tiene como meta, lograr que los pequeños negocios le compren directamente a ella, cuando estos no tengan en existencia y los proveedores no hayan respondido a sus pedidos; Delma sabe que este es un buen segmento de mercado, porque la mayor parte de los propietarios de negocios, compran en pequeñas cantidades debido al pequeño capital de trabajo que manejan usualmente.


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
  • 482
    View loans »
    Colombia Loans Fundraising
  • $14,958,950
    Funds lent in using Kiva
  • 1,825.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Delma to buy boxes of beer on a wholesale level.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 27, 2011
Listed
Jun 4, 2011
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2012