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Benilda Margarita
Belinda, 22, lives in the city of Cartagena and owns “Sala de Belleza Bernarda” (Bernarda Beauty Salon), a business she started to earn her own income when she finished her technical beauty courses. Today, she feels proud to be working in her chosen field because she’s actualizing a great potential and because she helps her customers improve their personal and professional images thereby boosting their self-esteem.

Her market is primarily women and young adults; she works with men and children too. She does haircuts, hair styling, hair straightening, curl relaxing, blow drying, makeup and everything her customers need to feel beautiful. Her challenge is not having enough working capital to sell merchandise-those products she advises her customers about that they need.

This is why she’s calling on her Kiva loan, the first loan she’s gotten from Fundación Mario Santo Domingo, that she’ll use to buy creams, hair color, nail polish, massage products and makeup in larger volume than she currently purchases to be eligible for special discounts and to be able to continue to offer beauty consultancy as the main added value to her beauty salon. Her goal for later on is to have an infrastructure with technology that impacts the marketplace and that makes her processes more effective in a truly stress-free environment for her and her customers.
View original language description ↓
Benilda tiene 22 años de edad, vive en la ciudad de Cartagena y es la propietaria de “Sala de Belleza Bernarda”, negocio que inició para generar ingresos propios, una vez terminó los estudios técnicos de belleza; hoy se siente orgullosa de estar desempeñándose en su carrera, porque desarrolla su gran potencial y además porque ayuda a perfeccionar la imagen personal y profesional de sus clientes, levantando su estima. Su mercado está compuesto principalmente por mujeres y jóvenes, también trabaja con el género masculino e infantil, en su negocio hace cortes de cabello, peinados, desrizado, alicer, blower, maquillaje y todo lo que requiere su público para sentirse bello. Su desafío es no tener el suficiente capital de trabajo para vender mercancías, producto de lo que necesita su clientela una vez ella los asesora. 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 cremas, tintes, lacas, masajes, maquillaje en mayores volúmenes que los que usualmente compra, para ganar descuentos especiales y continuar ofreciendo en su sala de belleza, la asesoría como su principal valor agregado. Su meta más adelante es tener una infraestructura con tecnología que impacte el mercado y haga sus procesos más efectivos en un ambiente verdaderamente desestresado para ella y su clientela.

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
  • 173
    View loans »
    Colombia Loans Fundraising
  • $12,834,025
    Funds lent in using Kiva
  • 1,763.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Benilda Margarita to buy beauty supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 29, 2011
Listed
Aug 9, 2011
Currency Exchange Loss:
Covered
Ended:
Feb 17, 2013