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Delis Rosa
37 year old Derlis lives with her partner and her 14 year old son in Soledad, a Colombian town with the fastest growing population in the country. She works there selling a variety of goods, a business that came out of her efforts to become economically independent and generate income so she can contribute to the development and well being of her household. She began this business 5 years ago, selling a few products on credit to her neighbors and friends, and today she has a large cliental and has added much more. That is to say, everything that her customers want, Derlis gets for them at a good price and they pay her at agreed deadlines. 80% of her sales are for credit, and 20% are cash sales. She also sells for cash at auctions and receives merchandise from Guajira in the north of Colombia. In this way, she sells clothes, perfumes, costume jewelry, and shoes. She is a good businesswoman and so she gets new clients daily, but her working capital isn't enough to meet their orders immediately. This is the reason she has come to Kiva, and this is the first loan she has requested from Fundación Mario Santo Domingo. She will use it to buy clothes and especially shoes, an investment that she expects to be successful because it is based on the requests of her clients. Her most immediate goal is to have a commercial premisis where she can lay out and organize her merchandise and impress her customers by displaying a range of products that they need and can afford. Derlis is enthusiastic because her financial statements show that this is a good time for her business.
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Derlis de 37 años vive con su cónyuge y su hijo de 14 años de edad, en Soledad, municipio de Colombia con el mayor crecimiento poblacional del país. Allí se dedica a la venta de mercancía variada, negocio que nace por su empeño de obtener independencia económica y generar ingresos para aportar al desarrollo y el bienestar de su hogar. Ella inició hace 5 años, vendiendo pocos productos a crédito entre sus vecinas y amigas y hoy tiene una mayor clientela y ha agregado muchos más, es decir todo lo que el cliente necesita, Derlis lo consigue a un buen precio, para que lo paguen mediante plazos pactados; el 80% de sus ventas las hace a credito y un 20% de contado, igualmente sus compras las hace de contado en ventas de remates y tambien recibe mercancia desde la Guajira, al norte de Colombia. Así vende ropa, perfumes, bisutería, calzado; ella es una buena empresaria y por eso diariamente consigue nuevos clientes, pero su capital de trabajo es insuficiente para responderle oportunamente. Esta es la razón por la cual acude a su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará ropa y calzado especialmente, inversión que proyecta ser exitosa porque está basada en pedidos de sus clientes. Su meta más adelante es tener un local comercial, donde distribuya y organice su mercancía e impacte a sus clientes, exhibiendo una gama de productos, que ellos necesiten y puedan comprar. Mientras esto ocurre Derlis se siente entusiasmada, porque sus estados finacieros reflejan el buen momento por el cual pasa su negocio

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
  • 281
    View loans »
    Colombia Loans Fundraising
  • $13,600,025
    Funds lent in using Kiva
  • 1,772.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Delis Rosa to buy clothes and especially shoes.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 29, 2011
Listed
Aug 5, 2011
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2012