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Judith Maria
Judith, 44, is married and has three children between 16 and 25 years old. She lives in Barranquilla, where she has had a hairdresser and beauty salon since 2000, when she graduated from a beauty academy. She initially did haircuts, manicures, pedicures, and styling for her friends from home. Over time, people began to seek her out, and, through word of mouth, she built up a full-time business. She loves her line of work, especially the make-up, which is her strong point. Both her children, now working professionals, and her husband always help her with expenses, as they are a close family. This is her first loan with the Mario Santo Domingo Foundation. She will use it to buy a mirror, a barber's chair and a hair-washing basin. This will make her clients more comfortable. She has a profit margin of 60%, which she hopes to increase as she diversifies her offerings with new services in the future.
View original language description ↓
Judith de 44 años es una mujer casada que tiene 3 hijos en las edades de 16 a 25 años. Ella vive en la ciudad e Barraquilla donde emprendió su negocio de peluquería y servicios de bellezas desde el año 2000, una vez se preparó en una academia para este propósito. Ella inicialmente prestaba el servicio de mejoramiento de la imagen de sus amigas a través del corte de cabello, manicure, pedicure y peinados en su propia casa. Con el tiempo las personas que una vez accedieron a sus servicios empezaron por volver a buscarla y posteriormente y hasta la presente le envían muchos referidos y por eso ella permanece en actividad todo el tiempo. Su trabajo es su máxima motivación porque a ella le encanta, especialmente la línea de maquillaje en la que se desempeña muy bien. Sus hijos, ahora profesionales, trabajan y su esposo siempre están apoyándola en sus gastos, pues mantienen una excelente unidad familiar. Su credikiva es el primer financiamiento que hace a la Fundación Mario Santo Domingo, con el comprará un espejo, una silla de peluquería y un lava cabezas, con ello sus clientes se sentirán más confortables y esto es lo que ella busca. En su negocio maneja un margen de utilidad del 60%, que planea aumentar en la medida en que diversifique su oferta con nuevos servicios que en un futuro planea contratar.

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
  • 500
    View loans »
    Colombia Loans Fundraising
  • $14,954,225
    Funds lent in using Kiva
  • 1,781.8
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Judith Maria to buy a mirror, a barber's chair and a hair washing basin.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 28, 2011
Listed
Jun 30, 2011
Currency Exchange Loss:
Covered
Ended:
Feb 15, 2013