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Delfina Maria
38-year-old Delfina lives in the southwest area of the town with her husband and her four children aged 10 to 16. She started her business idea in 2002, because she saw a business opportunity in the need that her neighbors had to respond to their communication requests. She first started with a line of cell phones for every phone operator, and gradually her business grew. She currently has 14 computers and lines of various operators, and she sells cell phone recharges and accessories. She's currently applying for her first Kiva loan, which she'll use to purchase cell phones and accessories for selling, because they're products that sell very well and change rapidly. She'll also use her Kiva loan to purchase recharges for selling. Her goal is to exand and diversify her business by adding miscellaneous merchandise until she succeeds in having her own grocery store, where her customers can find everything they need. That way they'll save themselves the transportation money and the extra effort for not finding everything within their reach. Meanwhile, she maintains a sales profit of no less than 15%, and she plans to gradually increase it by buying in bulk and selling fast-changing products, so that she earns a bit more. That is the reason why she firmly believes that with her Kiva loan she'll successfully increase her capital and buy products that are very high-selling in her business sector.
View original language description ↓
Delfina de 38 años de edad vive al Sur Occidente de la ciudad, con su esposo y sus 4 hijos en las edades de 10 a 16 años. Ella en el año 2002 inició su idea de negocio, pues observó la oportunidad de emprenderlo en la necesidad de sus vecinos por responder a sus requerimientos de comunicación. Ella inició con una línea de celulares para todas los operadores, poco a poco creció su negocio y Hoy cuenta con 14 equipos y líneas de diferentes operadores, vende recargas y accesorios para celulares. En la actualidad está aplicando a su primer credikiva, con el cual comprará celulares y accesorios para ofrecerlos a la venta, pues son productos de muy buena salida comercial y que rotan rápidamente, así mismo planea con su credikiva comprar recargas para la venta. Su meta es ampliar su negocio y diversificarlo agregando mercancías de misceláneas, hasta lograr tener su almacén, donde su clientela encuentre todo lo que necesita y a ellos le ahorre gastos de transporte y/o esfuerzos mayores, por no encontrar lo que necesitan al alcance de su mano. Mientras esto ocurre maneja una rentabilidad sobre las ventas no menor del 15%, que planea poco a poco hacerla crecer, mediante compras a un mayor volumen y ventas que roten rápidamente, para ganar un poco más. Esta es la razón por la cual cree firmemente en que su credikiva logrará ampliar su capital y adquirir productos muy comerciales en el sector al cual dirige su acción comercial.

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
  • 481
    View loans »
    Colombia Loans Fundraising
  • $15,254,800
    Funds lent in using Kiva
  • 1,786.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Delfina Maria to purchase cell phones and phone accessories.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 24, 2012
Listed
Aug 14, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 2, 2013