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Deira Luz
Deira, 46, has a 13-year old son who she dreams about seeing become a successful professional. She is the owner of a beauty shop where she offers personal and professional image improvement for women, men and children.
Her entrepreneurial spirit was born with her talent for cosmetics beautification and that is why when she finished her high school, she studied cosmetology and started her business with a mirror, a machine to cut hair and many desires to succeed. As she started earning money with her work, she bought a dryer and gradually has been adding equipment such as dryers, brushes, and even a showcase to be able to attract new customers and satisfy the needs of the current ones. Lately she not only offers haircuts, manicures, pedicures, etc, but also new personal accessories. She sells beauty products and thus has been able to establish a customer base.
Her goal is to add a new chair for haircuts and increase her merchandise to continue attracting customers.
Now she is applying for a Kiva loan, the first that she has had with the Mario Santo Domingo Foundation. She will use it to buy beauty products, hair dyes, shampoo, hair treatments, etc to bring in more customers that order from her. That is why she sees the potential success of her investment because she takes orders and buys on credit. With a higher volume, she will get discounts. Her greatest goal is to have enough working capital to invest in her business which has increasing and demanding customers.
View original language description ↓
Deira de 35 años de edad tiene un hijo en la edad de 13 años, con el que sueña verlo convertido en un profesional exitoso. Ella es la propietaria de una sala de belleza, donde ofrece los servicios de mejoramiento de la imagen personal y profesional femenina, masculina e infantil.
Su emprendimiento nació de su aptitud frente al tema de belleza cosmética, por eso una vez terminó estudios de bachiller, realizó estudios técnicos de belleza e inició su negocio, con un espejo, una máquina de cortar cabello y muchas ganas de triunfar; como empezó a ganar dinero en esta actividad, lo invirtió en un secador y gradualmente ha ido agregando todo el equipamiento, como secadores, cepillos y hasta una vitrina, para lograr captar nuevos clientes y satisfacer las necesidades de los clientes actuales. Últimamente no solo ofrece el servicio de corte de cabello, manicure, pedicure etc., sino también asesorías, a través de las cuales vende productos de belleza y con ello ha logrado estabilizar su clientela. Su meta es adicionar una nueva silla de peluquería y agregar mercancías novedosas, para continuar ampliando la cobertura de clientes. En la actualidad está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante la cual comprará productos de belleza, tintes, para cabellos, champoo, tratamientos capilares, entre otros productos que atraen a su clientela y que tiene encargado a Deira; esta es la razón en la que fundamenta el potencial éxito de su inversión, porque lo hace sobre pedidos y su compra es de contado y en mayor volumen, ganado así descuentos. Su mayor desafío es tener el capital de trabajo suficiente para invertirle a su negocia ante su creciente y exigente clientela.

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
  • 503
    View loans »
    Colombia Loans Fundraising
  • $14,948,000
    Funds lent in using Kiva
  • 1,775.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Deira Luz to buy beauty products like hair dyes, shampoo,hair treatments, etc, that attract customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 9, 2012
Listed
Feb 17, 2012
Currency Exchange Loss:
Covered
Ended:
Apr 18, 2013