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Ledis Maria
Ledis makes a living selling beauty products. The majority of her customers are housewives and informal workers. Her sales are based from specialized guides of products or catalogs, which promote products with discounts on certain items. She has 7 years of experience selling beauty products. With the income that comes from her business she has been able to support her family, which is made up of her husband and their three children who are between the ages of 8 and 27 years old. Her business started when a friend enthusiastically showed her the advantages of independent sales.

The main items she offers are beauty products, jewelry and clothes, which she sells directly to the consumer, working with a financing system that allows her customers to make payments that take into consideration their financial ability. Ledis maintains relationships with the different suppliers that distribute her products through magazines and a multilevel sales system. She makes cash sales as well as sales on credit. Her business hours are 2pm to 7pm, the rest of her time is occupied by household chores.

Currently the special offers that are available in the catalogs include many products with special discounts. Her working capital is not sufficient to buy the amount of products she needs to be able to meet her potential demand for sales and her dream of prosperity. This is the reason she has applied for a loan through Kiva. It is the first loan she has taken out through the Mario Santo Domingo Foundation. She will use the loan to buy perfumes, cosmetics, feminine accessories and natural products. With new orders she hopes to have increased profits and her medium range goal is to be able to slowly keep more stock in her store.
View original language description ↓
Ledis se dedica la venta de productos de belleza, entre amas de casa y trabajadoras informales, que son sus principales clientes, mediante guidas especializadas de productos o catálogos, con los cuales promociona los productos que se encuentran con descuentos especiales. Ella tiene 7 años de experiencia y con sus ingresos provenientes de este negocio, ha logrado apoyar a su familia, conformada por su cónyuge y sus 3 hijos en las edades de 8 a 27 años. Su negocio inició cuando una amiga la entusiasmó mostrándole las ventajas de la tarea comercial de manera independiente. Los principales artículos de su oferta son los productos de belleza joyería y ropa, los cuales vende directamente a su consumidor final mediante financiamiento para que este le pague en plazos acordados teniendo en cuenta su capacidad de pago. Ledis sostiene relaciones comerciales con las diferentes empresas que distribuyen sus productos mediante revistas y el sistema de multinivel. Las ventas las realiza a crédito y de contado, ocupándose de su negocio desde las 2 de la tarde hasta las 7 de la noche, mientras el resto del tiempo realiza tareas concernientes a su hogar. En la actualidad las ofertas de los catálogos traen muchos productos con descuentos especiales y su capacidad de compra es muy inferior a su potencial de ventas y sueño de prosperidad; esta es la razón por la cual está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará perfumería, cosméticos, accesorios, femeninos y productos naturales, nuevos pedidos con los aumentaría sus utilidades y poco a poco empezaría a estructurar un almacén que es su meta a mediano plazo.

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
  • 565
    View loans »
    Colombia Loans Fundraising
  • $14,650,775
    Funds lent in using Kiva
  • 1,818.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Ledis Maria to buy perfume, cosmetics, accessories and natural products for women.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 21, 2012
Listed
Aug 30, 2012
Currency Exchange Loss:
Possible
Ended:
Oct 18, 2013