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Saidi
Saidi is 29, and lives in the La Pradera neighborhood with her parents and younger sister. She sells catalogue products and a variety of merchandise, such as jeans, t-shirts, blouses, sandals, and other things. She sells products through specialized guides from four cosmetic and clothing companies. With her business she helps with the family's expenses.

She has a broad clientele, who enjoy dealing with her because of her personalized sales approach. With her profit she covers her costs, and contributes a great part of the family's expenses. Her profitability is high, because she takes advantage of most of the special offers in the product catalogues, and because the profit margin is high on her other merchandise.

She has good working capital, and turnover of accounts payable and inventory is rapid.

Currently she is applying for her first Credikiva loan from Fundación Mario Santo Domingo, to invest especially in articles of clothing that she has ordered for the end of year season, a peak sales period based on what her sales experience tells her.
View original language description ↓
Saidi de 29 años reside en el barrio la pradera con sus padres y una hermana menor; es comerciante de productos por catálogo y mercancías varias, tales como jeans, camisetas, blusas, sandalias; ella. Comercializa productos mediante guías especializadas de cuatro empresas de cosmeticos y prendas de vestir, con su negocio ayuda en los gastos familiares, tiene una amplia clientela de la que goza por su estrategia comercial relacional. Con su rentabilidad cubre sus costos y aporta gran parte de los gastos familiares, sus activos están representados básicamente en cuentas por cobrar e inventarios; su rentabilidad es alta debido a que aprovecha la mayor parte de las ofertas de los productos por catálogos y también a que el margen de ganancia de las mercancías varias es elevado. Tiene un buen capital de trabajo, y las rotaciones de cartera e inventarios son ágiles. En la actualidad está aplicando a su primer credikiva primer financiamiento que hace a la Fundación Mario Santo Domingo, para invertir especialmente en prendas de vestir que tiene encargadas para la temporada de fin de año, época de gran repunte en sus ventas y esto se lo dice su experiencia comercial.

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
  • 176
    View loans »
    Colombia Loans Fundraising
  • $13,090,925
    Funds lent in using Kiva
  • 1,868.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Saidi to buy articles of clothing that she has ordered for the end of year season.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 31, 2011
Listed
Nov 2, 2011
Currency Exchange Loss:
Covered
Ended:
Dec 15, 2012