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Hanner Rafael
Hanner is 24 years old, he is a good entrepreneur, and for three years he has owned his own business. He sells products via catalogues. He began doing this because of his mother. She gave him his first merchandise such as perfumes, colognes, and clothing so that he could sell them to fellow students and neighbors. This is how he gradually began forming his own clientele and when he was positioned to do so, he began selling via product catalogues.

Today his dreams continue to grow and his goals are to continue increasing his income (so that he can go to the university) and to be very successful.

His market is growing and so is the amount of capital that he needs to continue providing the products his customers demand. This is precisely why people go to CreiKiva, and this will be his first loan from the Fundación Mario Santo Domingo. He will use it to buy beauty and personal products that he will promote in his catalogue with special discounts. He wants to offer great prices to his customers so that he can continue earning their loyalty, and this is why will be successful in investing his CrediKiva loan in his business.
View original language description ↓
Hanner de 24 años de edad, es un buen emprendedor que desde hace tres años tiene su propia microempresa; allí vende productos mediante guías especializadas o catálogos, actividad auspiciada por su madre, cuando le dio la primera mercancía como perfumes, colonias y ropa, para que la vendiera entre sus compañeros de estudio y vecinos. Así fue como gradualmente hizo su propia clientela y cuando estuvo posicionado en la mente de sus clientes, se vinculó a la venta de productos mediante catálogos. Hoy sus sueños emprendedores lo incitan a continuar su crecimiento, por eso su meta es continuar mejorando sus ingresos, para ingresar a la universidad y finalmente ser muy exitoso. Su crecimiento en el mercado de clientes, es cada vez mayor, por eso su capital de trabajo aunque reúna dinero, producto de su cobranza a sus clientes, le resulta insuficiente para atender su demanda. Esta es justamente la razón por la cual acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará productos de belleza y de cuidado personal, que vinieron promocionados en su revista, con descuentos especiales y quiere impactar a su clientela con esta buena oferta, para continuar fidelizándola. Esta es justamente la razón de su éxito en la inversión de su credikiva en su negocio.

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
  • 244
    View loans »
    Colombia Loans Fundraising
  • $13,479,900
    Funds lent in using Kiva
  • 1,829.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Hanner Rafael to purchase beauty and personal care products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 18, 2012
Listed
May 29, 2012
Currency Exchange Loss:
Possible
Ended:
May 17, 2013