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Deyanira
Deyanira, 31, lives in the artisanal community of Costa Caribe very near the city of Cartagena de Indias. Her life unfolds between her store and her family composed of her spouse and six-year-old son. Deyanira has been a merchant for two years; she started selling merchandise like clothes, shoes and cosmetics via specialized catalogues . She did very well with this activity and was able to contribute income to her home in addition to learning how to be a merchant.

When she relocated near her town’s main highway she realized that residents in the town exposed themselves to danger crossing that highway to buy basic staple items their families consume every day. This gave her an idea for a way to increase her income with a new business which was to open a store of her own to sell products to her neighbors that they needed and has been doing so to date; she sells basic staple items, snacks, foodstuffs, soft-drinks, dairy products, clothes and footwear, etc. With her business she’s seen her home improve as she’s generated income. Her future project is to make the store bigger thus increasing family income even more.

Deyanira sells every day and mostly for cash while her purchases are partly on credit and partly cash. She has a great challenge to overcome which is that often she does not have everything her customers need in stock which is why she’s calling on Fundación Mario Santo Domingo to apply for her first KIVA loan to buy the items that sell the most like rice, sugar, oil, dairy products, canned goods and soft-drinks. With this investment, she’s anticipating improved sales with more merchandise and an increase in the number of her regular customers. Her goal is to make home improvements and to finish her studies, another great personal challenge.
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Deyanira de 31 años de edad, vive en un municipio artesanal de la Costa Caribe, muy cerca a la ciudad de Cartagena de Indias. Su vida transcurre entre su trabajo en su tienda y su familia conformada por su cónyuge y su hijo de 6 años de edad. Deyanira desde hace 2 años se dedicó a la actividad comercial, vendiendo mercancías mediante guías especializadas de productos, como ropa, calzado y cosméticos, actividad con la que le fue muy bien y logró agregar ingresos a su hogar, además de enseñarle su oficio de comerciante. Cuando se mudó cerca a la carretera troncal en su pueblo, percibió el peligro que corrían los habitantes del pueblo al cruzar esa vía, al comprar diariamente sus víveres y los artículos de la canasta familiar que en su familia consumen. Este hecho le dio la idea de adicionar a sus ingresos un nuevo negocio, que fue el montaje de su propia tienda para venderles también, artículos que sus vecinos requerían, como lo que hoy hace al comercializar productos de primera necesidad, ranchos, víveres, refrescos, lácteos etc., ropa y calzado. Con su negocio ha visto el progreso desde su propia casa al generar ingresos; su proyecto futuro es hacer crecer su tienda para aumentar los ingresos de su familia. Deyanira realiza sus ventas diariamente y de contado principalmente, mientras sus compras las realiza una parte a crédito y otra parte de contado. Ella tiene un gran desafío que superar y es el de no tener, muchas veces, los productos que sus clientes necesitan, por eso se ha acercado a la Fundación Mario Santo Domingo, para aplicar a su primer credikiva con el cual comprará víveres que rotan fácilmente como arroz, azúcar, aceite, lácteos, enlatados y refrescos. Con esta inversión proyecta mejorar sus ventas con más artículos y aumentar el número de sus clientes fijos. Su meta es mejorar sus condiciones habitacionales y terminar sus estudios, lo cual le significa también un gran desafío personal.

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
  • 247
    View loans »
    Colombia Loans Fundraising
  • $13,479,900
    Funds lent in using Kiva
  • 1,828.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Deyanira to buy stock merchandise for her store.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 28, 2012
Listed
Sep 13, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 19, 2013