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Carmen Cecilia
Carmen runs various businesses, one of which is quite peculiar. She has been running a reinforced carton dividers business for more than 10 years, in which many important companies pay her for labor charges as Carmen and her family of 7 children carry out the work and earn money for doing so. She also runs a cafe selling soft and alcoholic drinks on the weekends, and she also hires out washing machines for a day at a time. Within her home, she lives and breathes the concept of 'work to earn' and that is the impression received by everybody who visits the home of this hardworking 60 year old woman. Although she has never studied much, as a widowed head of her household she has succeeded in helping her children to make good progress and in maintaining a constant income to ensure their well-being. Carmen has a refrigerator and a music player to create a good atmosphere for those who come to drink beer at her home. All of her businesses are successful as she has the same customers for each, and she uses one business to promote her others. Recently, 2 of her 3 washing machines developed technical faults and she needs to repair them in order to continue offering this service. Consequently, she is applying for a loan - her first - from Fundación Mario Santo Domingo which she will use to buy 3 washing machines and to repair the 2 requiring maintenance. Her strong client base, her effective management of her business, along with her skill and capacity for work means that this loan will be successfully invested and will be a real help to Carmen.
View original language description ↓
Carmen tiene varios negocios, entre ellos hay uno muy peculiar, que inició desde hace más de 10 años, donde ofrece el servicio de armado de separadores de cajas de cartón, por el cual algunas empresas importantes, pagan la mano de obra, para que Carmen y su familia conformada por sus 7 hijos, realicen la tarea y ganen dinero. Así mismo se dedica a la venta de confitería, refrescos y bebidas los fines de semana y también al alquiler de lavadoras diariamente. En su ambiente familiar se respira el concepto de trabajo-negocio-ingresos y esa es la percepción que tiene cualquier persona que visita a esta mujer trabajadora de 60 años de edad, que aunque sin ninguna base de estudios, ha logrado como mujer viuda jefe de hogar sacar a sus hijos adelante y mantener ingresos constantes con los que ha logrado su bienestar. Carmen cuenta con un enfriador, un equipo de sonido para ambientar con música a quienes beben cerveza en un lugar de su casa que adecuó para tal fin. En todos sus negocios le ha ido muy bien porque la clientela es la misma y aprovechan los clientes de un negocio, para potencializar las ventas del otro. Últimamente dos de sus tres lavadoras han presentado fallas técnicas y necesita ajustarla y continuar prestando este servicio. Esta es la razón por la cual acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domino, con el cual comprará 3 lavadoras y reparará las dos que requieren mantenimiento, su potencial de clientes, el buen manejo de su negocio y su destreza y capacidad de trabajo, hará que su credikiva sea una inversión de mucho éxito, que ayudará mucho a Carmen.

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
  • 473
    View loans »
    Colombia Loans Fundraising
  • $15,262,800
    Funds lent in using Kiva
  • 1,778.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Carmen Cecilia to buy 3 washing machines and to repair 2 others which require maintenance.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 29, 2012
Listed
Jul 12, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2013