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Vilma, who is 43 years old, lives in San Jacinto, a town located in the department of Bolivar, with her three children, ages 11 to 21. There she sells cheese and raises pigs, which she sells to customers in her town. She began her business of selling cheese when she learned from a relative, who was buying milk to make cheese, how this business worked. Vilma began with a few customers and today supplies stores, granaries, and the community in general, who are also her customers for her pig-raising business. Her goal is to expand her business and increase her working capital. This is why she has turned to her Kiva loan, the first loan that she has obtained from Fundación Mario Santo Domingo, with which she will buy pigs in neighboring towns, which offer her a good price, and cheese to respond to her growing clientele. At this time her business has financial indicators of returns on sales of no less than 11%, and with her investment she plans to make them grow. Her dream is to be able to support the professional education of her three children, who are now aged 11 to 21 years old, so that in the future they will be successful professionals who are useful to society.
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Vilma de 43 años de edad vive en San Jacinto, municipio ubicado en el departamento de Bolívar, con sus 3 hijos en las edades de 11 a 21 años de edad; allí se dedica a la venta de queso y a la crianza de cerdos, que vende a clientes ubicados en su población. Su negocio de comercializar queso, lo inició cuando conoció, como este negocio funcionaba en manos de un familiar, quien compraba la leche para fabricar el queso. Vilma inició con unos pocos clientes y hoy provee a tiendas, graneros y a la comunidad en general, que también son sus clientes en el negocio de la crianza porcina. Su meta es hacer crecer su negocio y aumentar su capital de trabajo; esta es la razón por la cual acude a su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará cerdos en pueblos vecinos, que le ofrecen a un buen precio y queso para responder a su creciente clientela. En la actualidad su negocio maneja unos indicadores financieros de rentabilidad sobre las ventas no menor del 11% , y que con su inversión planea hacerlos crecer. Su sueño es lograr apoyar la educación profesional de sus 3 hijos, que hoy están en las edades de 11 a 21 años de edad, para que en el futuro sean profesionales exitosos útiles a la sociedad.

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
  • 390
    View loans »
    Colombia Loans Fundraising
  • $16,230,175
    Funds lent in using Kiva
  • 1,785.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Vilma to buy pigs in neighboring towns, which offer her a good price, and cheese.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 31, 2012
Feb 12, 2012
Currency Exchange Loss:
Dec 15, 2012