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Shirly Cecilia
Shirly, 32, lives with her husband and two daughters, ages three and 16, in the town of San Juan Nepomuceno in the department of Bolívar. She works selling shoes, sheets, towels, clothing and underwear, among other items. Several years ago she started out selling sandals to her closest friends. Then she began selling underwear and, little by little, her customers increased their demand to the point that now she sells a variety of articles.

She sells her goods mainly on a credit basis, so this first Kiva loan through the entity is to have enough work capital to buy the merchandise when she needs to and to keep an inventory. She knows what her customers like and her idea is to purchase goods with them in mind, giving her the confidence to know her investment will be successful. Shirly has many goals and is sure she will meet them through hard work. One of them is to have her own shop where she can display her merchandise and reach a profitability margin greater than 30%, which is what she has now. She also wants to continue providing her daughters with an education so they can become professionals and have their own houses. She considers herself to be an active, hard-working person who is happy doing what she does, since she her income helps cover household expenses and contributes to family economic growth.
View original language description ↓
Shirly es una mujer de 32 años que vive junto con su esposo y sus dos hijas de 3 y16 años en el municipio de San Juan Nepomuceno en el departamento de Bolívar. Se dedica a la comercialización de calzado, sábanas, toallas, ropa exterior e interior, entre otros artículos. Se inicia en esta actividad desde hace algunos años vendiendo sandalias por encargo entre sus amigos más cercanos, luego incursionó en la ropa interior y así poco a poco sus clientes fueron ampliando su demanda hasta tener hoy una variedad de artículos que ofrecer. Vende a crédito principalmente, otorgando algunos plazos para el pago de la mercancía, es por esto que solicita su primer crédito Kiva con la entidad ya que desea tener capital de trabajo disponible para comprar mercancía en cualquier momento que le pidan y poder tener un stock de inventario. Ella conoce perfectamente el gusto de sus clientes y su idea es invertir teniendo en cuenta sus necesidades, esto es lo que le da la plena confianza de que su inversión será exitosa. Shirly tiene muchos sueños y está segura que con su esfuerzo los logrará, entre estos está tener un local propio donde pueda montar un almacén que le permita exhibir mejor su mercancía, obtener una rentabilidad mayor al 30%, porcentaje con el que trabaja hoy día, seguir contribuyendo en la educación de sus hijas hasta hacerlas unas profesionales y tener su casa propia. Se considera una mujer activa, trabajadora, que se siente feliz con la actividad que desarrolla ya que con los ingresos que genera puede aportar para los gastos familiares y al crecimiento económico de su familia.

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
  • 288
    View loans »
    Colombia Loans Fundraising
  • $13,892,025
    Funds lent in using Kiva
  • 1,774.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Shirly Cecilia to buy shoes, clothing, underwear and other items to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 31, 2012
Listed
Jun 14, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013