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Bernardo
Bernardo is a 61-year-old man who comes from Santa Cruz de Mompox, a beautiful municipality located on the banks of the Magdalena River. He was born in a family of stockbreeders, and at the age of 17 he moved with them in the town Barranquilla. In order not to lose connection with his native village, he started his own activity understanding intuitively the needs of a market segment and, thanks to his own experience in the field he succeeded in finding the way to acquire excellent quality food produced in Santa Cruz de Mompox, to finally bringing to Barranquilla basic necessities products to sell them to customers who were requesting them and who turned to Bernardo because of what he offered, He started his activity selling at first whey, cheese and corn 'bollos' (corn and cheese-based wraps) to his friends and neighbors. Little by little, the good impact of the quality of the products he sold has allowed him to gain established customers and to make a good name for himself in the market. In this way, he has succeeded in earning a working capital that he invests in his activity, supporting his household though his profits. He has even succeeded in entering the cattle market buying and selling it in the municipality he was born in. He has recently noticed that his working capital is not enough to face the growing requests and his need to strengthen the cattle activity: this is why has requested a loan that he will use to buy cheese, “bollos”, whey, biscuits and a bull. This is the second loan he has asked to the Fundación Mario Santo Domingo, the first having been used to increase his liquidity, his sales and his profits, as well as to finish building the second floor of his house. This makes his feel satisfied with himself and with great desire to keep on working to increase his standard of living and to achieve his dreams of success.
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Bernardo, un hombre de 61 años, procedente de Santa Cruz de Mompox, hermoso municipio, ubicado a orillas del Rio Magdalena, nació en una familia tradicionalmente ganadera y desde sus 17 años se trasladó con ella a la ciudad e Barranquilla. Como para no perder la conexión con su pueblo natal, emprendió su propio negocio, interpretando intuitivamente las necesidades de un segmento de mercado y la forma de acceder a productos alimenticos de excelencia producidos en Santa Cruz de Mompox y finalmente con su experiencia de vida logró trasladar hasta Barranquilla, artículos de consumos diario, para venderlos en un mercado que los demandaba, atendiendo la oferta de Bernardo. Así fue como inició su primera experiencia, con vecinos y amigos vendiéndoles suero, queso, bollos de maíz. Poco a poco la calidad de los productos que vendía dio sus propios resultados y hoy ha consolidado una clientela y un buen nombre en el mercado. Así mismo ha logrado un capital de trabajo, que invierte en su negocio y con sus utilidades apoya el sostenimiento de su hogar, hasta llegar a incursionar en el mercado de la compra y venta de ganado vacuno en pie y esto lo hace en el municipio que lo vio nacer. Últimamente ante las posibilidades de adquirir todos los productos que ofrece, para responder a la creciente demanda y ante la necesidad fortalecer su negocio de ganado, encuentra que su capital de trabajo se torna insuficiente para lograrlo, por eso acude a un credikiva, mediante el cual comprará queso, bollo, suero, galletas y un toro. Su credikiva es el segundo financiamiento que recibe de la Fundación Mario Santo Domingo, con este apoyo logró aumentar su liquidez, las ventas y sus utilidades, así mismo terminó de construir el segundo piso de su vivienda y esto lo hace sentir satisfecho y con muchas ganas de continuar trabajando para aumentar sus posibilidades de bienestar y lograr sus sueños de prosperidad.

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
  • 476
    View loans »
    Colombia Loans Fundraising
  • $15,262,800
    Funds lent in using Kiva
  • 1,830.0
    Colombia Pesos (COP) = $1 USD
Expired
A loan of $825 helped Bernardo to buy cheese, “bollos”, whey, biscuits and a bull.
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 31, 2012
Listed
Jun 8, 2012
Currency Exchange Loss:
Possible
Expired:
Jul 8, 2012