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Gina
Gina is 39 years old, married, and the mother of two children (ages 18 and 22). She is a dynamic and enterprising woman who works in the retail trade. Gina sells products through specialty guides, which are purchased from companies that offer their merchandise in Colombia. She started her business two years ago by selling natural cosmetic products. Gina slowly gained more customers over time and now has an established clientele of her own. She is able to multiply her investment, but her greatest challenge is obtaining sufficient capital in order to buy in volume. By having a good inventory, she will be able to make her enterprise grow. This is the reason why she is applying for a Kiva loan, her first form of financing through Fundación Mario Santo Domingo. The money will be used to buy perfumes and cosmetics at good prices since she will be able to get a discount.


Gina's enthusiasm cannot be contained since she spends every day visiting with current and potential customers and also collecting her outstanding bills, which makes her happy. She stays in contact with people because she is good at managing interpersonal relationships. Gina has developed a niche in the marketplace and has earned a position for herself as a result of her personal interactions. Her greatest wish is to have a location where she can open a store to the public. What would give her the greatest satisfaction is seeing her children get an education at the finest institutions. This is the motivation that drives her to wake up each day with enthusiasm. Gina is taking matters into her own hands when it comes to seeing her children reach their potential for success.

View original language description ↓
Gina de 39 años, casada y madre de 2 hijos en las edades de 18 y 22, es una mujer muy dinámica y emprendedora, que se dedica a la actividad comercial, mediante guías especializadas de productos, los cuales compra en empresas que hacen parte de la oferta en Colombia. Su negocio lo inició desde hace 2 años, en los que ha comercializado con productos cosméticos naturales, poco a poco su clientela se ha incrementado, hasta llegar a consolidar su propia clientela, con la que cuenta para multiplicar su inversión, pero tiene un gran desafío y es lograr un capital de trabajo suficiente para hacer compras en volúmenes, tener un buen inventario y con ello lograr su empeño de crecer. Esta es la razón por la cual acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará perfumes cosméticos, que llegaron en descuento, con buenos precios
El dinamismo de Gina no se detiene, ella todos los días tiene visitas a clientes reales, potenciales, jornadas de recuperación de cartera y con todo esto se siente muy feliz, pues le permite estar en contacto con personas y a ella le gusta el buen manejo de las relaciones interpersonales, pues le ha hecho ganar un espacio en el segmento de mercado en el que interactúa y su posicionamiento en el nicho comercial. Su mayor sueño es tener un local, para abrir un almacén al público y su mayor satisfacción, es que ha logrado educar a sus hijos en excelentes instituciones educativas y esto es el motor, por lo cual diariamente se levanta con mucha disposición de ánimo, para lograr que sus hijos tengan un potencial de éxito, haciendo ella lo que está al alcance de sus manos y mucho mas.

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
  • 192
    View loans »
    Colombia Loans Fundraising
  • $12,868,250
    Funds lent in using Kiva
  • 1,795.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Gina to buy perfumes and cosmetics.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 15, 2012
Listed
May 27, 2012
Currency Exchange Loss:
Possible
Ended:
May 17, 2013