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Ferlina
Ferlina, 57, has a catering business. She began her business 4 years ago with breakfast, lunch and special dishes. Her main clientele are the many employees at the company where her daughter works, who have begun to trust, little by little, in her ability to make delicious meals. Ferlina employs someone to help transport the meals, while she is in full production. The results of her business present a level of sales that allow her to cover her operating costs. Her income is in cash, though she has some monies still owed to her because although she generally accepts only cash, some of her most loyal clients pay by credit. The toughest part is getting enough work capital together to improve her process, that’s why she is requesting her 1st Kiva loan through the Maria Santo Domingo Foundation. With this loan, she will buy an industrial stove, kitchen utensils and a large volume of basic ingredients. This is an exciting investment because she plans on buying product in large volume and by cash, which will lower her production costs. She wants to be competitive and well prepared with a strong business infrastructure and good offerings for her clients.
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Ferlina de 57 años de edad se dedica a la elaboración y venta de comidas a domicilio, desde hace 4 años cuando inició con desayunos almuerzos y comidas especiales. Su mercado son principalmente trabajadores de la empresa donde trabaja su hija, que tiene una base de empleados de gran tamaño, quienes poco a poco han ido incrementando su confianza en las deliciosos platos que prepara y con ello su fidelidad, en su negocio Ferlina tiene un empleado que le ayuda a transportar los almuerzos, mientras ella esta en todo el proceso productivo. En el estado de resultados del negocio de Ferlina, se observa que presenta un nivel de ventas que le permite cubrir los gastos operacionales; su balance general refleja que sus activos corrientes están representados en efectivo y cuentas por cobrar y aunque sus ventas generalmente las realiza de contado, también hace créditos a sus mejores y más fieles clientes que así lo requieran. Su mayor desafío es lograr un capital de trabajo suficiente para mejorar sus procesos, 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 una estufa industrial, implementos de cocina y materias primas en mayor volumen. Esta inversión será exitosa porque planea hacerla en un mayor volumen y de contado, lo cual disminuye sus costos productivos; ella debe ser competitiva y estar muy bien preparada con su infraestructura y con una oferta agradable a sus clientes.

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

  • $6,070
    Average annual income
  • 246
    View loans »
    Colombia Loans Fundraising
  • $13,479,900
    Funds lent in using Kiva
  • 1,792.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Ferlina buy an industrial stove, kitchen utensils and a large volume of basic ingredients.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 15, 2012
Listed
Feb 23, 2012
Currency Exchange Loss:
Covered
Ended:
Dec 28, 2013