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Elsy
Elsy is applying to her first Kiva loan through Fundación Mario Santo Domingo, which she plans to use to invest on a 50 cubic freezer that will allow her to make the ice she sells to contribute to her household income.

She lives with her husband and her 21-year old daughter. She started her business selling ice from her refrigerator, and after good results she bought a freezer to sell the ice at retail and wholesale. Her goal is to have a cold room from which not only sell ice, but also ice cream.

Her dream is to improve her home’s bedrooms and bathrooms as result of her and her husband’s hard work.

She has 3 years of experience selling from her home. Her sales are made in cash, and she is opened daily from 7 a.m. to 9 p.m. Among her customers, she has several merchants from the area, and local residents. She wants to build a loyal customer base to increase her income.
View original language description ↓
Elsy está aplicando a un primer credikiva en la Fundación Mario Santo Domingo, con el cual invertirá en un cubetero Cubic 50, el cual tiene la propiedad de congelar más rápido la bolsa de agua, porque quiere mejorar su actividad de fabricar hielo, de la que dependen los ingresos que ella aporta a su hogar, conformado por su cónyuge y su hija de 21 años de edad. Cuando inició su negocio lo hizo vendiendo desde su nevera y por los buenos resultados, compró un congelador para vender al por Mayor y al Detal, su meta mas adelante es tener un cuarto frio para no solo vender hielo, sino también producir helados. Su plan de vida la lleva a soñar con mejorar los dormitorios y cuarto de baños de su casa y esto muy seguramente lo conseguirá con su esfuerzo y el de su cónyuge. Ella tiene 3 años de experiencia y vende directamente desde su domicilio; Sus ventas las realiza de contado y con una frecuencia diaria, que inicia desde las 7 de la mañana hasta las 9 de la noche entre sus clientes están diversos comerciantes informales del municipio de Soledad, y habitantes del sector, a quienes quiere atraer cada vez mas para fidelizarlos y aumentar sus ingresos .

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
  • 471
    View loans »
    Colombia Loans Fundraising
  • $15,262,800
    Funds lent in using Kiva
  • 1,804.4
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,175 helped Elsy invest in a 50 Cubic Freezer.
99% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 27, 2012
Listed
Sep 23, 2012
Currency Exchange Loss:
Possible
Ended:
Oct 17, 2014