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Justina Isabel
Justina, 63, is the owner of a beauty shop that everyone in her area knows. She lives with her partner and their 4 children, ages 13-27. When she was about 37, she took a cosmetology course and began practicing first on friends and neighbors for free in her neighborhood. Little by little this became her life’s project, and with her business she has become well-known by her customers. She specialized principally in hair cuts and this line of work made here popular. Now she does color, blow drying, hairdos, manicures, and especially pedicures. She also sells accessories and beauty products to her customers. Her goal is to continue increasing her working capital to expand the business so that she can support her daughters’ university studies. This will give them success in life. The Kiva credit is her first loan and she will buy supplies for her business and beauty products for sale. She is stocking up for the end of the year since that is a good time for her business because potential customers usually become real customers. This is the season of big challenges since work increases and rest is hard to get.
But afterwards she can enjoy her well-earned vacations.
View original language description ↓
Justina de 63 años de edad es la propietaria de una peluquería que todos en la urbanización donde habita la conocen. Ella vive con su cónyuge y sus 4 hijos en las edades de 13 a 27 años de edad. Desde hace alrededor de 37 años, hizo un curso de estilista e inició haciendo sus primeros trabajos a amigas y vecinas del sector gratuitamente, poco a poco, esta actividad la convirtió en su proyecto de vida y con su negocio fue alcanzando reconocimiento entre su clientela. Ella se especializó principalmente en cortes de cabello línea de trabajo con la que se hizo popular, ahora maneja la línea de tinturado, blower peinados, manicure, pedicure especialmente Y también asesora a sus clientes y vende productos de belleza. Su meta es continuar incrementando su capital de trabajo ampliar su negocio para apoyar los estudios universitarios de sus hijas, para que tengan éxito en su vida. El credikiva es su primer financiamiento con el comprará materiales de consumo para su negocio y productos de belleza para la venta, porque está provisionándose para el fin de año que llega con buenas oportunidades para su negocio, debido a que su potencial de clientes usualmente en esta época, se convierten en clientes reales y esta es una temporada de un gran desafío, debido a que se incrementa el trabajo y el descanso es muy poco, pero posteriormente con el deber cumplido, podrá disfrutar de sus merecidas vacaciones.

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
  • 509
    View loans »
    Colombia Loans Fundraising
  • $14,638,350
    Funds lent in using Kiva
  • 1,911.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Justina Isabel to buy supplies for the business and beauty products to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 8, 2011
Listed
Nov 10, 2011
Currency Exchange Loss:
Covered
Ended:
Dec 15, 2012