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Keren  Haduc
Keren is a dynamic woman who has a spa and salon where she offers personal and professional image services for women, men, and children. Her business is located in front of her home in the neighborhood of July 20th Ciudadela. This area has a mix of formal and informal businesses, recreation facilities, residential areas, and is mainly known as the site of the city’s Metropolitan Stadium. This facility is where many Colombian soccer matches are played and is popularly called “The House of Junior” after one of the most famous soccer teams on the northern coast of Colombia.


The idea for Keren’s business came about in 2001. After her husband passed away, she took beauty and cosmetology classes. Once she acquired some hands-on experience, she began working at a spa and gained the knowledge to start her own business venture in 2010. The main customers of her business are friends, referrals, relatives, and office workers. Each day she strives to improve the quality of the services that she offers. Even though the level of competition is high, Keren is able to maintain her business by providing a comfortable atmosphere, affordable prices, and friendly service to her customers. She offers bridal packages, facials, waxing, haircuts, styling, pedicures, and manicures. Keren has a solid infrastructure in terms of equipment and an inventory of beauty products that enable her to serve her customers efficiently. At the moment, she is living with her parents.


This Kiva loan is the first form of financing that she has received from Fundación Mario Santo Domingo. Her goals are to increase her operating capital and to make a few improvements to her establishment so that she can provide better service to her customers. Keren wants to maintain a cash reserve so that she can buy beauty products for her treatments and to sell for special occasions when people want to improve their physical appearance as well as those of their loved ones. She takes advantage of these occasions, such as Father’s Day and Valentine’s Day, so that she can maximize her chances of success. Her greatest wish is to own her location, so she strives each day to attain that goal.

View original language description ↓
Karen es una mujer muy dinámica que ofrece servicios para resaltar la imagen personal y profesional de damas caballeros y niños en su negocio de Spa y peluquería, ubicado en la parte delantera de su residencia, en el barrio Ciudadela 20 de Julio, sitio que conjuga gran dinamismo productivo de negocios formales e informales, infraestructuras recreativas, zonas residenciales, pero es más conocido porque allí está ubicado el Estadio Metropolitano de la ciudad, escenario del futbol Colombiano, llamado popularmente “ La casa del Junior” uno de los equipos de futbol más queridos de la Costa Norte de Colombia. Su idea de negocio nació el año 2001, después de que falleció su esposo y se dedicara al estudio de cosmetología y belleza, adquiriendo posteriormente su experiencia en trabajo corporal, trabajando en un Spa, que le afianzó su saber hasta lograr implementar su aventura empresarial en el año 2010. La clientela principal de Keren son amigos, referidos familiares y oficinistas, que cada día crecen debido a la calidad de servicios que en este negocio ella ofrece; la competencia es alta, pero se sostiene por el confort que maneja, cómodos precios y la amabilidad que aplica a sus clientes. Keren ofrece baños de novia, limpieza facial, depilación con cera, cortes de cabello, peinados, pedicure, manicure, tiene una infraestructura sólida en cuanto a equipos se refiere y un inventario de productos de belleza que le permite atender con eficiencia a su clientela. Actualmente se apalanca con sus padres. Su credikiva que es el primer financiamiento que recibe de la Fundación Mario Santo Domingo, tiene el objetivo de incrementar el capital de trabajo y realizar algunas adecuaciones en el local, para brindar mejor atención a sus clientes, pues ella busca mantener un fondo en efectivo para comprar productos de belleza, para los tratamientos y para la venta, especialmente porque se acercan las fechas especiales, en las cuales las personas buscan mejorar su imagen física y las de sus seres queridos, como día del padre, dia del amor y amistad, que aprovecharía al máximo para aumentar su éxito. Su sueño más importante es tener un local de su propiedad y se esmera trabajando diariamente para más adelante lograrlo.

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
  • 163
    View loans »
    Colombia Loans Fundraising
  • $12,834,025
    Funds lent in using Kiva
  • 1,793.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Keren Haduc to purchase beauty products and to make improvements to her establishment.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 20, 2011
Listed
Jun 27, 2011
Currency Exchange Loss:
Covered
Ended:
Aug 15, 2012