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Janis Del Carmen
Janis, 50, lives with her children whose ages range from 24 to 28 in San Juan Nepomuceno, a municipality in Bolívar Department, located near the city of Cartagena. She has a warehouse there that she opened on March 1, 2007 with capital she had in savings she’d earned working in a firm.

She initially bought chairs, pots, dinnerware, plastic tanks, irons, pans, serving trays and fans that she sold and did very well. Gradually with much effort and discipline she has managed to move the business forward and support herself but she wants it to grow still more and this is why she’s turning to a Kiva loan, her second financing with Fundación Mario Santo Domingo, because she wants to respond to the market she’s already captured, especially this end of the year when much success is foreseen because of circulating cash product of bonuses and allowances given by businesses.

She will use her Kiva loan to buy home appliances that her customers have on order with her; she will earn discounts and an effective profit. With loans received from the Fundación she’s managed to change and grow in many aspects and this she is grateful for. Her goal is to continue advancing to attain a much larger business and continue strengthening her home’s wellbeing.
View original language description ↓
Janis de 50 años vive con sus hijos en las edades de 24 a 28 años en San Juan Nepomuceno, municipio del departamento de Bolívar, ubicado cerca a la ciudad de Cartagena; allí tiene un almacén que inició el 1 de marzo del año 2007, con un capital producto de sus ahorros, cuando trabajó en una empresa. Inicialmente compró sillas, ollas, vajillas, tanques plásticos, planchas sartenes, plateros y abanicos que vendió y le fue muy bien. Gradualmente con su gran esfuerzo y su disciplina, ha logrado sacarlo adelante y sostenerse, pero desea crecer más aun, esta es la razón por la cual acude a su credikiva, segundo financiamiento que hace a la Fundación Mario Santo Domingo, pues requiere responder a su mercado ya conquistado, especialmente en esta temporada de fin de año, que le augura muchos éxitos, pues dinero circulante, producto de primas y bonificaciones, que mueven los negocios; por eso ella comprará con su credikiva electrodomésticos sobre pedidos de sus clientes, con los cuales ganará descuentos y realizará una inversión efectiva. Con sus créditos recibidos por parte de la Fundación, ha logrado cambiar y crecer en muchos aspectos y esto ella lo agradece. Su meta es continuar avanzando para lograr tener un negocio de mayor tamaño y continuar fortaleciendo el bienestar de su hogar..

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
  • 167
    View loans »
    Colombia Loans Fundraising
  • $12,834,025
    Funds lent in using Kiva
  • 1,940.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Janis Del Carmen to buy home appliances.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 5, 2011
Listed
Dec 5, 2011
Currency Exchange Loss:
Covered
Ended:
Oct 18, 2012