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Denis
Denis, 39, lives in Puerto Colombia with her two children whose ages are 18 and 2. There in this land of beach, breeze and sea with important tourism potential she sells merchandise via specialized catalogues to earn income to support her two children. Colognes, perfume, creams and make-up are her customers’ favorite items and Denis is very watchful of special offers in her catalogues in order to capture interest, attention and purchases. Her goal for later if she had enough working capital to make the purchase is to open a sales point or variety store to add a variety of products her neighbors buy in other places selling them to them herself.

She started her business a year ago because she was unable to find employment so decided to start her own business venture. She currently has an average profit margin of 17% and her inventory turns over in 12 days. With this she will be buying products like women’s accessories, perfumery, creams and make-up to her customers have already preordered and that she’ll sell in her native Puerto Colombia where she’s very well-known by residents of this wonderful place on the Colombian Caribbean.
View original language description ↓
Denis de 39 años de edad vive en el municipio de Puerto Colombia, con sus dos hijos en las edades de 18 y 2 años: allí en esta tierra de playa, briza y mar con un potencial turístico importante, vende mercancías mediante guías especializadas de productos para lograr ingresos con os cuales sostener a sus dos hijos. Las colonias, los perfumes, las cremas y maquillajes son los productos favoritos de su clientela y Denis está muy pendiente de las ofertas que llegan en su catalogo, para lograr captar la atención, el interés, el deseo y la acción de compra de ellos. Su meta mas adelante es abrir un punto comercial o miscelánea donde agregue variedades de productos que sus vecinos compran en otros lugares, pudiendo ella vendérselos si tuviera suficiente capital de trabajo para comprar. Su negocio inició desde hace un año, pues no encontraba un trabajo como empleada y por eso decidió emprender su propia aventura de negocios. En la actualidad maneja un margen de utilidad promedia del 17% y una rotación de inventarios de 12 días, con la aplicación de este, su primer credikiva, comprará mercancías sobre pedidos que han hecho sus clientes, como accesorios femeninos, perfumería cremas y maquillajes, que venderá en su natal Puerto Colombia, donde es muy reconocida por los habitantes de este maravilloso lugar en el Caribe Colombiano.

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
  • 277
    View loans »
    Colombia Loans Fundraising
  • $13,826,450
    Funds lent in using Kiva
  • 1,799.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Denis to buy women's accessories, perfumery, creams and make-up.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 27, 2012
Listed
Oct 17, 2012
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2013