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Melida
Melida, 44, lives with her husband and four children whose ages range from 6 to 24 years in the city of Cartagena, located on the shores of the Caribbean Sea, one of Colombia’s best-known tourist sites because it has one of the country’s main naval bases and its historical-artistic heritage encompasses Carthaginian, Roman and Byzantine military styles from both modern and contemporary ages as well as neo-classical and modern buildings.

In that fantastic place in a modest way she runs her grocery, soft-drinks, beverage, snacks, foodstuffs and canned goods store. She also sells stationery supplies, cosmetics and women’s accessories as well as other merchandise that sells well and complements the main products she retails increasing her income and helping her capital to turnover frequently.

When Melida decided to develop her enterprising, independent idea she did it after an experience she had with her husband. They lost the jobs they had at a leather processing firm and decided to apply the useful skills they had in sales to start their own business venture and generate their own independent employment. This is how the store started out because this couple wanted to generate sufficient income to benefit their family.

At first they sold just a few products adding more new ones every time until they attained the diversity they now have because they also offer merchandise via catalogue especially beauty products. Her greatest challenge is not having sufficient capital to implement a marketing strategy that will allow her to impress with her prices, special promotions and products her customers constantly request and often are unavailable in stock thus leaving some demand unmet.

This is the reason why they are calling on a Kiva loan, the first financing they get from Fundación Mario Santo Domingo through which they will buy foodstuffs, groceries, meats, canned goods, dairy products and beauty products that are on special in her catalogue. With this investment she plans to increase income offering products at good prices resulting from her passing down to her customers the special prices Melida gets by being able to buy in quantity.
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Melida de 44 años de edad vive con su esposo y sus 4 hijos en las edades de 6 a 24 años en la ciudad de Cartagena, lugar ubicado a orillas del Mar Caribe, uno de los sitios turísticos mas hermosos de Colombia y muy reconocido, pues tiene una de las principales bases navales del país y por su patrimonio histórico-artístico, que abarca de vestigios de época cartaginesa, romana, bizantina, edificaciones de carácter militar de época moderna y contemporánea, así como también edificios neoclásicos y modernistas. Allí en este fantástico lugar y de manera modesta tiene su tienda de abarrotes, refrescos, bebidas, ranchos, víveres y enlatados. Adicionalmente en su negocio ha incluido útiles de papelería, cosméticos, accesorios femeninos y otras mercancías de muy buena rotación, que complementan el grueso de sus ventas al detalle, aumentan sus ingresos y ayudan a rotar frecuentemente su capital. Cuando Melida decidió desarrollar su idea emprendedora e independiente, lo hizo después de una experiencia que tuvo con su esposo, en una empresa donde vendían cueros y una vez quedaron desempleados, decidieron aprovechar el útil conocimiento de las estrategias de ventas, para emprender su propia aventura de negocio y generar sus propios empleos independientes. Así fue como empezó la tienda, pues esta pareja, deseaba gestionar ingresos suficientes, que beneficiaran a su familia, primero vendiendo unos pocos productos y adicionando cada vez mas otros nuevos, hasta lograr diversificar como hasta hoy lo han logrado, porque también ofrecen mercancía a través de guías especializadas, especialmente productos de belleza. Su mayor desafío es no tener un capital de trabajo suficiente, para implementar una estrategia mercadológica, que le permita impactar con precios, promociones y productos, que sus clientes piden constantemente y muchas veces su negocio no soporta esta rotación, dejando insatisfechos a otros. Esta es la razón por la cual acuden a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprarán víveres, abarrotes, cárnicos, enlatados, lácteos y productos de belleza que ofrece su revista con descuentos especiales. Con esta inversión planea aumentar sus ingresos, ofreciendo a buenos precios de productos, resultado del traslado de los precios de oportunidad con el que Melida accede al mercado al comprarle en mayor cantidad.

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
  • 279
    View loans »
    Colombia Loans Fundraising
  • $13,618,075
    Funds lent in using Kiva
  • 1,776.5
    Colombia Pesos (COP) = $1 USD
Expired
A loan of $1,700 helped Melida to buy stock merchandise for her store.
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 29, 2012
Listed
Jul 11, 2012
Currency Exchange Loss:
Possible
Expired:
Aug 10, 2012