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Osiris Marlenis
Osiris, 27, lives in the city of Cartagena with her two-year-old daughter. She sells assorted merchandise there, a business she’s had since her adolescence and which she’s determined to see grow especially because it generates wellbeing for her young daughter.

Osiris sells products on credit that she buys from suppliers and that she orders from firms via catalogues or specialized guidebooks. Her target market is located in various parts of the city of Cartagena, especially women.

Her Kiva loan, the first financing from Fundación Mario Santo Domingo, will be used to buy clothes, footwear, cosmetics and costume jewelry taking advantage of the items on special promotion or sale appearing in her current seasonal catalogues.

Her challenge is the aggressive special price competition but her work and good customer relations minimize difficulties. In addition, her financial indicators show growth potential and ability to easily respond to financial obligations to increase working capital and be able to buy easily.
View original language description ↓
Osiris D. 27 años D. edad vive en la ciudad D. Cartagena con su hija D. dos años; allí se dedica a la venta D. mercancía variada, negocio que tiene desD. su adolescencia y en el que ésta empeñada en hacerlo crecer; mas aun porque con el genera el bienestar D. su pequeña hija. Osiris venD. productos a créditos, que compra a proveedores y que encarga a empresas mediante catálogos o guías especializadas; su mercado se ubica en los diferentes barrios D. la ciudad D. Cartagena especialmente son mujeres quienes le compran. Su credikiva es el primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará ropa, calzado, productos cosméticos, bisutería, aprovechando las exhibiciones que traen sus revistas en ésta época, y que vienen con buenos descuentos. Su desafío es la competencia agresiva con precios especiales, pero su trabajo y buena relación con sus clientes, hacen que se minimicen las dificultades, además D. su indicadores financieros que muestran su potencial D. crecimiento y la facilidad con que pueD. responder a sus obligaciones financieras, con las que proyecta aumentar su capital D. trabajo y poder comprar facilmente.

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
  • 478
    View loans »
    Colombia Loans Fundraising
  • $15,254,800
    Funds lent in using Kiva
  • 1,782.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Osiris Marlenis to buy clothes, footwear, cosmetics and costume jewelry.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 26, 2011
Listed
Sep 11, 2011
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2013