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Marina Esther
For ten years Marina, 55, sold chicha (beverage made from corn), bolis (frozen fruit treats), ice cream and fried fast food that she prepared at home in the Carrizal neighborhood where she lives with her spouse and 36-year-old daughter. Forty-five years ago, still living with her parents and siblings, they were recently arrived in Guacamayal in Magdalena Department, seeking a better life in the city.

Marina has always liked to contribute to her home because what she earns is used precisely to pay many of her expenses because, although her husband’s a contractor and works for a firm, between the two of them they manage to supply greater wellbeing for their family.

This is the 8th loan Marina has had with Fundación Mario Santo Domingo, an organization that has provided new working capital that she used to add to her initial activity the sale of miscellaneous merchandise like cosmetics, shoes, clothes and accessories, among other items, that are part of a family’s basic shopping basket. She’s also been timelier with her select clientele which grows daily.

She will use her Kiva loan to buy rice, oil, foodstuffs, canned goods and other items she has on order. Her goal for later on is to have a locale of her own in a well positioned commercial point to display her merchandise. While Marina builds her dream she continues to perfect her activity working with a profit margin of no less than 20% which she expects will gradually increase thanks to her discipline and the system of values she has.
View original language description ↓
Durante 10 años Marina de 55, se dedicó a la venta de chicha, bolis, helados y fritos que fabricaba desde su casa en el barrio Carrizal, donde vive con su cónyuge y su hija de 36 años de edad, desde hace 45 cuando aun habitaba con sus padres y hermanos recién llegados de Guacamayal en el departamento del Magdalena, para buscar un mejor estar en la ciudad.
Marina siempre le ha gustado apoyar su hogar, porque el producto de sus ingresos son justamente para compensar muchos de sus gastos , pues aunque su esposo es contratista y trabaja para una empresa, entre los dos logran con su trabajo suministrar mayor bienestar su familia.
Este es el octavo financiamiento que Marina hace a la Fundación Mario Santo Domingo, organización con la que ha logrado un nuevo capital de trabajo, con el que ha agregado a su actividad inicial, la venta de mercancías variada como cosméticos, ropa calzado accesorios entre otros artículos de la canasta familiar; así mismo ha logrado ser más oportuna con su selecta clientela, la que cada día va en aumento. Con su credikiva comprará arroz, aceites, víveres, enlatados y otros productos de la canasta familiar que tiene por encargo. Su meta más adelante es tener su propio local donde pueda exhibir sus mercancías en un punto comercial bien posicionado. Mientras Marina construye su sueño, continua perfeccionando su actividad y trabajando con una utilidad no menor del 20%, que poco a poco muy seguramente incrementará con su disciplina y con la base de valores con los que ella cuenta.

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
  • 372
    View loans »
    Colombia Loans Fundraising
  • $15,691,700
    Funds lent in using Kiva
  • 1,820.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Marina Esther to buy rice, oil, foodstuffs, canned goods and other items.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2011
Jun 7, 2011
Currency Exchange Loss:
Jul 15, 2012