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Rosmery
Rosmery is 46 years old, lives in the municipality of Malambo, and has a 27-year old daughter. There, she works selling various merchandise, such as sheets, clothes, footwear, and bags, which she provides to her clients on credit with installment periods tailored to their needs. When she began as an entrepreneur, she sold silver items, and through that, she found her first domestic customers. These customers began to grow, little by little, with the useful service that Rosmery offered them. Gradually she was able to accumulate all the products like the ones she sells today.

With her business, she has paid for the education of her daughter, who has succeeded by her own efforts. Her daughter is now a professional accountant and helps Rosmery with some of the household expenses. Rosmery's dream is to expand her business and, one day, to buy her own car.

She is applying for her first loan, which she will use to buy footwear, bags, articles of clothing. The most profitable period for her business is approaching, because her customers usually begin asking for more things. This is the reason for her desired investment. She plans to succeed because with cash, she will be able to buy more with better discounts, which will translate into profits for her.
View original language description ↓
Rosmery de 46 años de edad vive en el municipio de Malambo y tiene una hija de 27 años. Allí se dedica a la venta de mercancía variada como sabanas, ropa en general, calzado, bolsos entre otros productos que le encargan sus clientes, porque vende a crédito en plazos adaptados a las necesidades de estos. En sus inicios como emprendedora, se dedicaba a la venta de prendas de plata y así fue como logró una primera clientela doméstica que poco a poco fue creciendo, con el oportuno servicio que le ofrecía Rosmery y gradualmente le permitió agregar todos los productos como hasta hoy lo hace. Con su negocio ha logrado pagar la educación de su hija, a quien ha sacado adelante con su propio esfuerzo, pues es profesional de la contaduría pública y ahora ella la apoya con los gastos comunes del hogar. El sueño de Rosmery es ampliar su negocio y algún día comprar su propio vehículo. En la actualidad está aplicando a su primer credikiva, con el cual comprará calzado, bolsos, prendas de vestir, pues se acerca la temporada de mayor rentabilidad para su negocio, porque se incrementan tradicionalmente los pedidos que hacen sus clientes y esto es justamente en lo cual basa su inversión y planea que sea exitosa pues con dinero efectivo, logrará compras en mayor cantidad y con mejores descuentos, lo cual trasladará a sus utilidades.

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
  • 514
    View loans »
    Colombia Loans Fundraising
  • $14,939,400
    Funds lent in using Kiva
  • 1,916.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Rosmery to buy shoes, bags, and items of clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 16, 2011
Listed
Nov 21, 2011
Currency Exchange Loss:
Covered
Ended:
Dec 15, 2012