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Ramón
Ramón is the thirty-five-year-old father of a family. He lives with his two small children and his partner in the town of La Playa, very close to the sea. Since he was very young he has made a living selling fruit, motivated by his father and sister who make their living in the same way, selling not only fruits but also vegetables and tubers. He was their partner at first, but when he turned twenty he decided to sell lemons door-to-door with a little capital that he was given by his sister and a cousin. On seeing that this was going well, he rented a small stall in the public market where he also offered a variety of fruits such as papaya, blackberries, mango, ripe bananas, and naranjillos (little oranges), among other tropical fruits. He did well with this and acquired many clients, strengthening his business. However, since the year 2009 he has started to work in a private business in the business center, due to which he has had to move the business into his home.

Nowadays, he uses a wheelbarrow from which he sells produce around the neighborhood, where he is well known. He has different shifts at work each week and so his wife helps him when he can't go out to sell. He buys every three days in the public market but sometimes his clients request a greater variety of fruits, which for want of capital he can't provide. With the first loan from the Fundación Mario Santo Domingo he intends to acquire them. With the fruit of his labor he wants to help his family get ahead and to have his own house very soon—he is already saving for it. Ramón feels very fortunate for all that he has achieved and the opportunities that life has given him.
View original language description ↓
Ramón es un padre de familia de 35 años que vive con sus dos pequeños hijos y compañera en el corregimiento La Playa, muy cerca al mar. Desde muy joven se ha dedicado al comercio de frutas, motivado por su padre y hermana quienes se dedican también a la actividad, no solo vendiendo frutas sino verduras y tubérculos. Inicialmente era su colaborador pero cuando tenía 20 años decidió vender limones puerta a puerta con un pequeño capital que le regaló su hermana y un primo. Al ver que le iba muy bien con esto, alquiló un pequeño puesto en el mercado público donde también ofrecía variedad de frutas como papaya, mora, mango, guineo maduro, lulo, entre otras frutas tropicales. Con esto le fue muy bien, adquirió muchos clientes y su negocio se fortaleció, sin embargo, desde el año 2009 empezó a trabajar en una empresa privada en el área de oficios varios, razón por la cual le tocó trasladar el negocio para su casa. Hoy en día utiliza una carretilla con la que vende el producto entre los vecinos del barrio, donde es ampliamente conocido. Tiene un horario laboral por turnos diferentes cada semana, por lo cual su compañera le colabora cuando él no puede salir a vender. Compra cada 3 días de contado en el mercado público pero algunas veces sus clientes le solicitan mayor variedad de frutas que por falta de capital no puede ofrecer, con el primer crédito en la Fundación Mario Santo Domingo pretende adquirirlo. Con el fruto de su trabajo desea sacar adelante a su familia y tener muy pronto su casa propia, ya está ahorrando para lograrlo. Ramón se siente muy afortunado por todo lo que ha logrado y las oportunidades que le ha dado la vida.

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
  • 231
    View loans »
    Colombia Loans Fundraising
  • $13,363,950
    Funds lent in using Kiva
  • 1,770.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ramón to buy a variety of fruits for sale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 28, 2012
Listed
Jun 9, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013