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Ana
Ana, 58, lives in Arjona near the city of Cartagena de Indias with her husband and 21-year-old son. She carries out her commercial activity there. She opened a variety store nine months ago with the purchase of display cases and merchandise. She set it up at home, a strategic spot where she’s done very well because aside from the commercial potential that exists in her environs, she also applies a service attitude taking care of the community. Her goal is to have a wider selection of goods because she wants to continue improving her income in order to help her son go to university and become a successful professional.

Her greatest challenge is having sufficient working capital needed to make purchases at wholesale that will allow her to have stock inventory that constantly turns over. This is the reason why she’s calling on a Kiva loan, her first from Fundación Mario Santo Domingo that she’ll use to buy paper goods, clothes, cosmetics and perfume. With these products, her customers will feel satisfied and will come by more often to her variety shop especially during the September season when sales tend to increase due to the approaching Day of Love and Friendship which is a time of increased commercial activity that impacts businesses both large and small. Ana manages her business with gross sales of 41.69% and a net profit of 39.5% so we are able to predict a potentially successful investment.
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Ana de 58 años de edad vive en Arjona, cerca a la ciudad de Cartagena de Indias, con su esposo y su hijo en la edad de 21; desde allí desarrolla su actividad comercial, pues es propietaria de un negocio de variedades, que inició hace 9 meses, con la compra de vitrinas y mercancías, las ubicó en su casa, sitio estratégico donde le ha ido muy bien, porque además del potencial comercial que tienen sus alrededores, aplica su vocación de servicio, en la atención de su comunidad. Su meta es lograr un mayor surtido de mercancías, porque quiere continuar mejorando sus ingresos, con tal de ayudar a que su hija logre estudiar en la universidad y convertirse en una profesional de éxito. Su mayor desafío es lograr el capital de trabajo que se requiere para hacer compras al por mayor, con las que logre un stock de mercancías visibles que roten permanentemente. 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 papelería, ropa, cosméticos y perfumes, con estos productos sus clientes se sentirán satisfechos y acudirán con mas frecuencia a su miscelánea, especialmente en esta época de septiembre, en la cual repuntan las ventas por acercarse la celebración del día del amor y de la amistad, momentos de gran despliegue comercial , que impactan los negocios grandes y pequeños. Ana trabaja en su negocio generando una utilidad bruta del 41,69%, una ganancia neta del 39,5% desde la cual auguramos su potencial éxito en su inversión

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
  • 245
    View loans »
    Colombia Loans Fundraising
  • $13,496,575
    Funds lent in using Kiva
  • 1,782.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Ana to buy paper goods, clothes, cosmetics and perfume.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 11, 2011
Listed
Sep 11, 2011
Currency Exchange Loss:
Covered
Ended:
Sep 15, 2012