56-year-old Edilma is a mother of three children. She lives in the city of Cartagena where she works as a saleswoman. She sells food products such as sweet treats and also sells a range of merchandise to order. She distributes her merchandise customer to customer in her neighborhood and surrounding areas. Before she started her life as a saleswoman, Edilma worked as a maid. She gradually saved up until she'd gathered together her first lot of capital and then started working for herself in this business. She makes her sales on credit and buys with cash. She is preparing to buy a larger volume of merchandise as she needs to have enough stock to deal with the final quarter of the year which is a period when she makes good sales.
Edilma will use her Kiva loan, which is the first loan she has received from Fundación Mario Santo Domingo, to buy sweet treats with which to stock her street stall, and also to buy cosmetics and accessories. Her goal for the future is to own her own home and to set up a well-constructed sales location there. This is why her vision for her business is simply to grow it.
Edilma D. 56 años D. edad, es madre D. 3 hijos vive en la ciudad D. Cartagena, donD. se dedica a la actividad D. comerciante, ella venD. productos alimenticios como dulces y mercancía variada por encargo, que distribuye cliente a cliente en el barrio donD. habita y en los alrededores D. este; Antes D. iniciar su vida comercial fue empleada del servicio doméstico y poco a poco ahorró hasta lograr tener su primer capital e independizarse mediante este negocio. Sus ventas son a crédito y sus compras las hace D. contado; hoy se prepara para comprar más volumen D. mercancías, pues debe atender el último trimestre del año, que son épocas D. buenas ventas. Esto es lo que justamente hará con su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, comprará productos D. dulcería para surtir su chaza y cosméticos, accesorios etc. Su meta más adelante es tener su propia casa y adecuar allí un local bien construido. Esta es la razón por la cual su visión D. negocio no es otra que crecer.
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.