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Omaira
Omaira is 46 years old and lives in the town of Soledad, 15 minutes from the city of Barranquilla. She lives with her husband and their two children ages 13 and 17.

Omaira sells cheese and a variety of merchandise such as sheets, towels, cosmetics, and anything that her customers need and can pay for. She started her entrepreneurial venture in 2002 because she was unemployed. In the beginning she sold cold cuts along with other domestic merchandise to her friends and family. Gradually, she added cheese sales on credit from which she received a weekly income and built a steady clientele. She capitalized by identifying her customer's needs which enabled her to generate income. This is how she started taking orders for name brand cosmetics, clothing, towels, sheets, and in general, merchandise to cover the needs of housewives, her most valued customers.

Her greatest challenge is insufficient working capital, so every day she has to add new customers to her business and can't respond as promptly as she would like. For this reason she is applying for her first Kiva loan through Fundación Mario Santo Domingo. She will use it to buy toiletries, perfumes, and bed and bath products. Other major challenges for her are having adequate housing and sending her children to college so that they can be successful people.
View original language description ↓
Omaira de 46 años vive en el municipio de Soledad, a 15 minutos de la ciudad de la ciudad de Barranquilla, con su esposo y sus dos hijos en las edades de 13 y 17 años, allí se dedica a la venta de queso, y también comercializa mercancía variada como sabanas, toallas, productos cosméticos y todo lo que sus clientes necesiten y puedan pagar, con tal de tenerlos satisfechos. Cuando inició su aventura emprendedora en el año 2002, lo hizo porque quedó desempleada , así fue como en un principio se dedicó a la venta de carnes frías entre su primer mercado doméstico, sus amigos y familiares, gradualmente adicionó a su negocio la venta de queso a crédito, de lo que recibía un pago semanal y como construyó una clientela fija y se fue capitalizando, identificó necesidades entre sus clientes que a ella le pudieran generar ingresos , así fue como mediante pedidos se dedicó también a la venta de cosméticos de marcas muy reconocidas, ropa, toallas, sabanas y en general a cubrir necesidades de las amas de casa, por eso estas constituyen hoy, su más apreciada clientela. Su mayor desafío es el capital de trabajo insuficiente con el que cuenta, pues diariamente agrega a su negocio nuevos clientes y no puede responder tan oportunamente como ella quisiera, este es la razón de acceder a su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el que comprará productos de tocador, perfumería, productos de baño y de cama. Su mayor desafío es lograr una adecuación de su vivienda y que sus hijos logren realizar estudios universitarios y sean persona exitosas..

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
  • 183
    View loans »
    Colombia Loans Fundraising
  • $13,170,600
    Funds lent in using Kiva
  • 1,762.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Omaira buy toiletries, perfumes, and bed and bath products.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 22, 2011
Listed
Aug 2, 2011
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2012