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Nevis
Nevis lives in the north of the city with her husband and two children, ages 11 and 15. For the last 20 years she has worked in sales. Her business was born when she decided to give free reign to her independent spirit in order to earn income to cover her personal expenses. In her business, she sells cosmetics, shoes, cologne, undergarments and clothes. She distributes them on credit, but she purchases them with immediate payment.

During her work day, which starts at 8 in the morning and ends at 6 in the afternoon every day, she offers her customers products from specialized guide books or catalogs. She attends to their needs and successfully makes negotiations which benefit them. She is attentive to the discounts offered in the magazines in order to pass the benefits on to her customers, for whom she cares so much.

Her goal for the future is to open a general store to the public in order to capture the market surrounding her because a lot of people don’t know that this type of business exists and a commercial location would resolve this situation. She dreams that in the future her children will complete a quality education so that they have great potential to be successful and that is her most important motivation.

Presently she is applying for a Kiva loan, her first financing from the Foundation Mario Santo Domingo, with which she will buy creams, perfumes, hair products, clothes, shoes and accessories. By investing her Kiva loan in this season of great commercial activity, her sales have a great probability of increasing, as happens every year-end and this is what will make her Kiva loan successful.
View original language description ↓
Nevis vive al norte de la ciudad con su esposo y sus dos hijos en las edades de 11 y 15 años. Ella desde hace 20 años, está dedicada al comercio; negocio que nació cuando decidió darle curso libre a su espíritu independiente, para lograr generar ingresos con los cuales responder a sus gastos personales. En su negocio vende productos cosméticos, calzado, colonia, ropa exterior e interior y la distribuye directamente a crédito, mientras la compra de contado. Su día laboral se inicia a las 8 de la mañana y finaliza a las 6 de la tarde todos los días, en los cuales ofrece sus productos a los clientes, mediante guías especializadas o catálogos, atendiendo sus necesidades y logrando hacer negociaciones que los beneficien, pues está atenta a los descuentos que estas revistas ofrecen, para trasladarle este beneficio a su clientela, a quien tanto cuida. Su meta mas adelante es abrir una miscelánea al público, para captar el mercado que la rodea, porque muchos de ellos desconoce que existe este negocio y un punto comercial resolvería esta situación. En un futuro sueña con que sus hijos se terminen de educar con calidad, para que tengan un gran potencial de ser exitosos y esto es su motivación más importante. En la actualidad está aplicando aun credikiva, primer financiamiento que hace ala Fundación Mario Santo Domingo, con el cual comprará cremas, perfumes, productos capilares, ropa exterior, calzado y accesorios; invirtiendo su credikiva en esta temporada de gran movimiento comercial, las ventas tienen una gran probabilidad de aumentar contundentemente, como le ocurre todos los finales de año y esto es lo que hace que su credikiva sea exitoso.

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
  • 232
    View loans »
    Colombia Loans Fundraising
  • $12,881,350
    Funds lent in using Kiva
  • 1,797.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Nevis to buy body creams, perfume, personal hygiene products, footwear, cosmetics and feminine accessories.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 12, 2012
Listed
Oct 23, 2012
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2013