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Shirly
Shirly lives in the town of Baranquilla with her spouse, who is a cab driver, and her two daughters, aged 13 and 15. She is a retailer: she sells discounted products from catalogues or specialised guides and she also buys small articles and small house appliances that she sells on credit to a customer base that was built over the years and that is now growing. She started her business 13 years ago on the suggestion of her sister-in-law. Shirly started by selling perfumes, make-up and accessories from two catalogues, which were the fundation of her business. Gradually, she managed to work with discount sales that she organises every season, for instance this month on the occasion of Mother's Day, Father's Day, and Secretary's Day. Shirly also sells steel jewellery, of which she buys a new stock once a week. Her goal for the future is to buy a house of her own. She and her husband are very determined to attain this goal in order to give their daughters a better quality of life and help them become successful. Shirly is asking for a Kiva loan, which is her first loan with field partner Fundación Mario Santo Domingo, in order to buy discounted merchandise, particularly articles that sell very well this time of year: cosmetics, perfumes, plushies, small appliances, etc. She is confident that this investment will pay off because of her experience, of the orders placed by her customers and of the coming season, which usually sees an increase in her sales.
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Shirly vive en la ciudad de Barranquilla con su cónyuge de actividad taxista y sus dos hijas en las edades de 13 y 15 años. Allí se dedica a la actividad comercia, la cual practica mediante la venta de productos promocionadas con guías especializadas o catálogos y también compra artículos y electrodomésticos menores, que vende mediante el sistema de crédito a una clientela que ha construido poco a poco y que hoy se encuentra en crecimiento. Su negocio lo inició desde hace 13 años, sugerido por su cuñada; Shrly empezó vendiendo perfumes, maquillaje y accesorios a través de 2 catálogos, con los que hacia su negociación. Gradualmente ha logrado trabajar con las promociones que impulsa principalmente en cada temporada, como la que se avecina, en la cual hay varias celebraciones: día de las madres, del padre, de la secretaria etc. En su negocio también vende prendas de acero las cuales compra con una frecuencia semanal. Su meta mas adelante es tener una casa propia y ella y su esposo están empeñados en lograrla, con el fin de ofrecer a sus hijas un mejor estar y propiciarles condiciones para que se conviertan en personas exitosas. En la actualidad está aplicando a un credikiva, primer financiamiento que hace ala Fundación Mario Santo Domingo, mediante el cual comprará mercancía en promoción, de acuerdo con los artículos que mas se venden en esta temporada y que son: cosméticos, perfumes, adornos de peluche, electrodomésticos menores etc. La razón de éxito de esta inversión es que la hace en base a su experiencia, a los pedidos que hacen sus clientes y a la temporada que se avecina, en la que usualmente se incrementa el volumen de sus ventas.

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
  • 569
    View loans »
    Colombia Loans Fundraising
  • $14,881,725
    Funds lent in using Kiva
  • 1,755.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Shirly to buy discounted merchandise, particularly articles that sell very well this time of year: cosmetics, perfumes, plushies, small appliances, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 30, 2012
Listed
May 15, 2012
Currency Exchange Loss:
Possible
Ended:
May 17, 2013