Check out some available loans that are similar to this one!
José Ramon
José is 48 years old and lives in the northern part of the city of Cartagena with his wife and 4 year old son. He works as a graphic designer; he mostly makes fliers, banners, stamps, calendars and other items. José helps his wife who knows computer science and works in the same field. They learned together some 12 years ago when José worked in his brother-in-laws’ small company where he gained experience and got the idea to start his own business. Little by little he got materials and customers taking advantage of his other work that allows him to travel all over the country where he has opened new markets in cities like Neiva, Bogotá, Honda, Ocaña, Santa Marta and Ciénaga in the Magdalena department. José’s customers include retail stores, grocery stores, salespeople, beauty parlors and many other businesses that need publicity, bookbinding and other designs. In his business he works with 50% in advance, he buys the materials cash down and this is why he has in his inventory dyes, stamps, adhesive paper, bond paper, plastic wrap and a little bit of everything to meet his customers’ demands. José uses the computer to make the designs and hires out the printing, bookbinding or cutting which is why he needs to have some cash on hand when he needs to hire another service. This is his first loan with Fundación Mario Santo Domingo to have some cash and to buy materials like stamps, paper adhesives, bond paper, etc. José also needs the money for his other business which is selling natural products. His biggest dream is to have a balance between his material and spiritual life, to get his family ahead, to be a better person. He says that his biggest challenge is his personal development which will help him achieve his dreams.
View original language description ↓
José de 48 años de edad vive al norte de la ciudad, con su esposa y su hijo de 4 años de edad; allí se dedica al oficio de artes gráficas, sus principales productos son los volantes, pendones avisos, sellos, almanaques entre otros, apoyado por su esposa quien conoce la tecnología de la informática y se ha desempeñado también, en este arte que emprendió con su cónyuge desde hace 12 años, después que José trabajó en la microempresa de su cuñado, adquirió toda su experiencia y de allí nació su idea de trabajar independiente. Con este conocimiento poco a poco adquirió sus propios materiales y se dispuso a conseguir clientes propios, aprovechando que realiza otra actividad simultánea en la que viaja por todo el país, donde ha abierto nuevos mercados, como en Neiva, Bogotá, Honda, Ocaña, Santa Marta y Ciénaga en el departamento del Magdalena. Sus clientes, son las tiendas, almacenes, vendedores particulares, salas de belleza y muchos negocios que requieren hacer publicidad, empaste u otros diseños. En su negocio trabaja con el 50% del anticipo y compra sus materiales de contado, por eso en sus inventarios tiene tintas, sellos, papel adhesivo, papel bond, empaques plásticos y de todo un poco, para responder a su demanda. En su proceso utiliza el computador para hacer los diseños y contrata la impresión, o encuadernación, cortado, entre otras partes de él y por ello requiere tener efectivo disponible para la contratación de terceros, esta es la razón por la cual acude a su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el tendrá un fondo de efectivo y comprará algunos materiales como sellos papel adhesivos, papel bond etc. José adicionalmente genera otros ingresos por concepto de venta de productos naturales. Su principal deseo es lograr el equilibrio entre lo material y lo espiritual para sacar adelante a su familia, siendo un mejor ser humano, por eso su mayor desafío es lograr su superación personal que lo lleve al logro esperado.

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
  • 501
    View loans »
    Colombia Loans Fundraising
  • $15,254,800
    Funds lent in using Kiva
  • 1,805.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped José Ramon buy materials like stamps, adhesive paper, bond paper and to hire out some services.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 30, 2012
Listed
Feb 1, 2012
Currency Exchange Loss:
Covered
Ended:
Mar 15, 2013