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Alcira
Alcira is 56 years old and lives with her husband. She has four children aged between 19 and 25 years of age. When she formed her family she decided to look for an independent activity which would give her enough income to support the welfare of her house. That is how she started her business adventure with a shop, located in a room of her house. This was gradually replaces as it took up too much time which she couldn't dedicate to her home. So, with the monetary income, a product of her work, she bought varied stock and set up a miscellaneous store in the room of her house. She carries out this business as well as complying with the household duties and always attending her children and her husband.

Her business has gradually grown, thanks to her great work capacity, discipline, responsibility and the support of the Fundación Mario Santo Domingo, an organization which has provided her with 21 loans over 7 years. With these loans she has managed to capitalize her business and with her profits she has improved her residence little by little. In her business she mostly sells up front although she has a credit portfolio which she collects every 40 days.

Presently she is applying for her first Credikiva, loan number 22. With this loan she will buy varied items which will allow her to increase her range of stock, according to the season. Her investment will be successful because she has a lot of experience about what sells in each season and especially who she can sell on credit to, encouraging the sustainability of her micro-business.
View original language description ↓
Alcira de 56 años de edad vive con su cónyuge y tiene 4 hijos en las edades de 19 a 25 años, ella cundo conformó su familia, decidió buscar una actividad independiente que le diera suficientes ingresos, con los cuales apoyar el bienestar de su hogar; fue así como emprendió su aventura de negocios con una tienda, ubicada en una habitación de su casa, la cual remplazó gradualmente porque le quitaba mucho tiempo para la atención de su hogar. Así mismo con el ingreso de dinero, producto de su trabajo, compró mercancía variada y en la sala de su casa ubicó una pequeña miscelánea. Negocio que realizara, de manera simultánea a sus tareas hogareñas y especialmente compaginadas con la atención de sus hijos y su esposo. Su negocio ha ido gradualmente creciendo, gracias a su gran capacidad de trabajo, disciplina, responsabilidad y al fortalecimiento que ha hecho la fundación Mario Santo Domingo, organización con la cual ha tenido 21 financiamientos durante 7 años. Con ellos logró capitalizar su negocio y con sus utilidades producidas ha adecuado su vivienda poco a poco. En sus negocios vende principalmente de contado, aunque tiene una cartera de crédito que rota cada 40 días. En la actualidad está aplicando a su primer credikiva, financiamiento # 22, con el cual comprará mercancía variada, con ella surtirá mucho mas su negocio, ajustándolo a la época. Su inversión será exitosa porque tiene una gran experiencia sobre lo que debe vender en cada temporada y especialmente a quien venderle a crédito, fomentando así la sostenibilidad de su microempresa.

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
  • 163
    View loans »
    Colombia Loans Fundraising
  • $13,192,425
    Funds lent in using Kiva
  • 1,778.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Alcira to buy varied stock; perfumes, clothes, footwear, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Mar 24, 2012
Listed
Mar 14, 2012
Currency Exchange Loss:
Covered
Ended:
Sep 17, 2013