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Ludys Estefany
Ludys lives in the municipality of Malambo. She is the mother of 2 children who are 9 and 13 years old. She has two businesses there. She sells a variety of merchandise and she also offers telecommunications services, which she started with the goal of helping out with the expenses for her household and to provide for their wellbeing. When she put her enterprising idea into motion she rented a location and started selling cell phone minutes. Later, since things went well for her, she bought computers and a fax to add them to her offerings. These were two services that her customers were always asking about and there were no other business with them in the area.

Her current goal to grow her business has motivated her to request a loan to buy two more computers and also other things for sale. She will buy linens and items for the home, taking advantage of the high demand during the end-of-the-year vacations, which are full of family festivities that increase demand in both of her businesses. Her working capital is not sufficient to respond to the expectations of her customers.

Her dream is to educate her two children well so that in the future they can be successful. They are what motivate her to get up day after day to work hard so she can achieve it.
View original language description ↓
Ludys vive en el municipio de Malambo y es madre de 2 niños en las edades de 9 a 13 años; allí tiene dos negocios, vende mercancía variada y también ofrece los servicios de telecomunicaciones, negocio que inició con el fin de apoyar a los gastos de su hogar y fortalecer su gestión de bienestar. Cundo dio curso a su idea emprendedora, arrendó un local e inició vendiendo minutos a celulares, posteriormente como le fue bien, compró computadores y un fax para agregar a su oferta, dos servicios por los cuales sus clientes preguntaban usualmente y en el sector no había respuesta a ello. Su meta actual de crecimiento la inclina a solicitar un credikiva, para comprar dos computadores mas e incrementar su oferta, así mismo invertirá en lencería y artículos para el hogar, aprovechando la gran demanda de vacaciones y de fin de año,lleno de festividades familiares, que incrementan su demanda,en ambos negocios, lo cual hace que el capital de trabajo sea insuficiente para responder a las expectativas de su clientela. Su sueño es educar con calidad a sus dos hijos ,para que en un futuro sean potencialmente exitosos, pues ellos son el mayor motor que los impulsa a levantarse día a día, para trabajar fuertemente con tal de lograrlo.

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
  • 358
    View loans »
    Colombia Loans Fundraising
  • $15,676,275
    Funds lent in using Kiva
  • 1,936.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Ludys Estefany to buy two computers and also linens and items for the home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 16, 2011
Dec 19, 2011
Currency Exchange Loss:
May 15, 2012