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Nevys Johanna
Nevys, while still a young woman of 19, already has her own business. When she was 14, she decided to become a retailer, and had two initial experiences which led her to undertake her business venture of a store. Today her store sells food, personal grooming products, and in general all the specific items a family needs. She sells to housewives who meet together, chat and make their purchases at Nevys' store.

Nevys is an entrepreneurial young woman who generates income through her initiative. She has managed to move ahead in life in spite of being orphaned, and so has supported her family and managed to keep her business going. She plans to see it grow permanently, and for this reason she works on a daily basis with maximum determination.

This is the reason why she has come for a Kiva loan; her first financing through Fundación Mario Santo Domingo. With the loan, she will purchase a greater quantity of food, beverages, personal grooming products, and paper goods, which are what her customers normally look for at this first school season of the year.

Her goal is to have a house where she can use all the technology and modernity of her youth in her business. In the meantime, she strives to work, and with her work she earns an average profit on her sales of not less than 28%, her inventory turns over every two weeks. and her accounts receivables is at 5 days. This is because she sells the great majority of items for cash, and provides credit to only a few, profitable customers with whom she has good relations.
View original language description ↓
Nevys aunque es una joven de 19 años de edad ya tiene su propio negocio, pues desde los 14 decidió ser comerciante y en esta época tuvo sus primeras experiencias, la cual la llevaron a que emprendiera su aventura de negocio llamada tienda. Hoy vende en su punto comercial ranchos, víveres, útiles de aseo personal y en general todos los artículos de la canasta familiar al detalle a amas de casa que se reúnen, conversan y compran en la tienda de Nevys.
Nevys es una joven emprendedora que con su iniciativa generadora de ingreso, ha logrado salir adelante, pese a su condición de huérfana de padre y así mismo apoya a su familia y logra sostener su negocio. Ella planea verlo crecer permanentemente y por eso trabaja cada día con el mayor empeño. Esta es la razón por la cual acude a su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con la cual comprará en mayor cantidad, víveres, refrescos, útiles de aseo y papelería, que es lo que usualmente solicitan sus clientes en esta primera temporada escolar del año. Su meta es tener una casa para adecuar su negocio con toda la tecnología y modernidad de su juventud. Mientras esto ocurre se esmera trabajando y con ello obtiene una rentabilidad promedia sobre las ventas, no menor del 28%, sus inventarios rotan cada 14 días y sus cuentas por cobrar cada 5 días, porque la mayor cantidad de artículos los vende de contado y maneja unos pocos créditos con clientes rentables, con los cuales sostiene buenas relaciones.

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
  • 1,836.4
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Nevys Johanna to purchase a greater quantity of food, beverages, personal grooming products and paper goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 12, 2012
Jan 20, 2012
Currency Exchange Loss:
Aug 15, 2012