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Dayulis
Dayulis is 22 years old and sells beverages, cool drinks and finger food. She lives in the municipality of Salgar, located on the seashore, where the beach, the soft breeze, the sea and the nice and happy people make up a unique culture. She started her business three years ago selling soft drinks, ice, chicha (a cold drink made from maize or fruit), bolis (a traditional form of ice cream found in Colombia), and others out of a cooler. She gradually started offering other products such as bread or finger food. Her business has been growing steadily, allowing her to buy a second cooler, because one was not enough. The majority of her customers are people from the neighbourhood or tourists who, on their way to the beach, choose to stop for refreshments in order to quench the thirst caused by the sun beating down on the earth; thus they happily sip their beverages under the welcome shade of the mango tree that stands on the terrace of Dayulis's house. Since she buys from her supplier only when he comes round in his lorry and her clientele has grown, Dayulis often lacks products to sell, and she has to resort to buying from intermediaries, which makes for a steep mark-up in price. This is why she asks for a Kiva loan, which is her first loan with field partner Fundación Mario Santo Domingo. She will use the funds to buy beer and soft drinks to stock so as not to have to tell clients that she is out of refreshments or be forced to sell at a higher price. Her investment will pay off because she will have enough beverages to meet demand, as long as her customers continue to enjoy their cool drinks under the shade of the mango tree, in the warm, healthy air of the seashore.
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Dayulis de 22 años de edad se dedica a la venta de refrescos, bebidas frías y pasabocas en general. Ella vive en el municipio de Salgar, lugar ubicado a orillas del mar, donde la playa, brisa, mar y la gente alegre y cordial son parte de la inigualable cultura en la que habita. Su actividad comercial inició dese hace 3 años, con un enfriador con el que vendía inicialmente gaseosas, hielo, chicha, bolis etc, posteriormente fue agregando otros productos, como panes y pasabocas y hoy su crecimiento ha sido muy bueno, hasta el punto que con sus utilidades, ha logrado adquirir otro enfriador, porque unos solo era insuficiente . La mayoría de sus clientes son vecinos del barrio y turistas, que en su camino a la playa, deciden hacer una parada y refrescarse, para calmar la sed, que produce el incidente sol; así ellos disfrutan sus refrescos bajo el frondoso árbol de mango, que rodea la terraza de la casa de Dayulis.
Como sus compras las realiza cada vez que el proveedor llega en su camión y su clientela ha crecido, muchas veces no tiene productos para la venta, o debe comprarlo a intermediarios que encarecen el precio de ventas; 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 cervezas, gaseosas, para tener un inventario y no tener que decirle a sus clientes que no hay refrescos o tener recargar su precio. Su inversión será exitosa porque tendrá suficiente refrescos para responderle a su clientela, siempre que estos decidan sentarse bajo el frondoso árbol de mango, y tomarse sus refrescos bien fríos y en un aire cálido y saludable como el que produce estar a la orilla del mar.

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
  • 365
    View loans »
    Colombia Loans Fundraising
  • $14,070,600
    Funds lent in using Kiva
  • 1,795.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Dayulis to buy beer and soft drinks to stock.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 16, 2012
Listed
May 26, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 18, 2013