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Norayma
Norayma, 43 years old, has a business selling miscellaneous items in the center of the city where she lives with her husband and their three daughters who are ages 12 to 17 years old. When she started this commercial activity, she did it selling artificial flowers which were given to her by suppliers on consignment, i.e. she returned the flowers that did not sell. In this way she made her first customers and gradually she got to know more people who recommended her and she took orders like silver garments and articles for the home, among others. Her business was inspired by the need to generate income and bring together those produced by her husband, also a hard worker who works as a refrigerator technician. With that, the possibilities to generate wellbeing in her home increased and once she had the trust of her customers, she gradually bought window cases and equipment and increased her merchandise with which she has managed to establish her miscellaneous shop which is located in a strategic place. To achieve her career goals is very important to Norayma because she dreams of supporting her daughters in their goal of becoming successful professionals. Currently, she is planning to access CrediKiva, the first loan from Fundacion Mario Santo Domingo, with which she will buy women's clothing, shoes and bags as she is preparing for mother's day and it is in the month of May when her sales increase because all of her customers with family want to dress elegantly and give the best gifts to the woman who means to be the most tender and unconditional of life: mother.
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Norayma de 43 años de edad tiene un negocio de miscelánea en el centro de la ciudad, donde vive con su esposo y sus 3 hijas en las edades de 12 a 17 años. Cuando inició su actividad comercial, lo hizo con flores artificiales, que le daban sus proveedores a consignación, es decir ella devolvía las flores que no vendía. Así hizo su primera clientela y gradualmente fue conociendo mas personas que la recomendaban y hacían pedidos como prendas de plata y artículos para el hogar entre otros. Su negocio fue inspirado en la necesidad de generar ingresos, que pidiera unir a los producidos por su esposo, también un gran trabajador que ejerce como técnico de refrigeración. Con ello aumentó las posibilidades de generar bienestar en su hogar y una vez afianzada su clientela, compró poco a poco, vitrinas y enseres y fue agregando cada vez más mercancías, con las que ha logrado fortalecer su miscelánea, la cual está ubicada en un punto estratégico. Lograr sus metas de trabajo para Norayma es muy importante, porque sueña con apoyar a sus hijas en que logren sus propósitos de ser profesionales exitosas. En la actualidad está planeando acceder a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará ropa para damas, calzado y bolsos, pues se prepara para el día de las madres, y es justamente en el mes de Mayo donde sus ventas se incrementan, porque todos los clientes en familia, quieren vestir elegantes y hacer los mejores regalos a la mujer que significa el ser mas tierno e incondicional de la vida: “ la madre.”

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
  • $15,250,425
    Funds lent in using Kiva
  • 1,759.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Norayma to purchase clothing for women, shoes and bags.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 16, 2012
Listed
Mar 26, 2012
Currency Exchange Loss:
Covered
Ended:
May 19, 2013