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Naicy
Naicy, 21, lives in the southern part of the city and sells different merchandise and sweets. She has been in business for three years and started earning this extra income by selling directly to end consumers in her neighborhood on a cash basis. Business has been growing little by little, and her work schedule is an average 12 hours a day beginning at 8:00 a.m. She plans to cover her own expenses as well as those of her two-year-old son, for whom she dreams of a prosperous future.

Her goal is to have her own establishment one day in a more active commercial location, so she can sell more volume. But her greatest challenge is not having enough capital to sustain growth. Currently, she is applying for her first CrediKiva loan to buy a variety of sweets, especially for Halloween, which will give Naicy a high sales volume. She will also buy clothing and shoes to stock her business and be able to respond to the high demand for the New Year's parties, when families get together and celebrate, dressed in clothing sold by Naicy once she gets the CrediKiva loan.
View original language description ↓
Naicy de 21 años de edad vive en el sur de la ciudad y se dedica a la venta de mercancías variadas y de dulce, desde hace tres años, cuando comenzó como alternativa de ingresos comercializada directamente al consumidor final, ubicado en el sector de su vecindad. Su negocio ha ido creciendo poco apoco y en él vende de contado y con una frecuencia diaria trabajando 12 horas continuas desde las 8 de la mañana. Con ello planea responder al sustento propio y especialmente de su pequeño hijo de dos años, con quien sueña un futuro de prosperidad. Su meta más adelante es tener un local en un lugar de mayor movimiento comercial, que impulsen sus ventas desde el punto de contacto, pero su mayor desafío es no tener el suficiente capital de trabajo para lograr su crecimiento sostenido. En la actualidad está aplicando a su primer credikiva, con el cual comprará diversos dulces, que agraden las fiestas de Halloween a los niños y Naicy hará su buena venta. Así mismo comprará ropa, calzado, para surtir su negocio y poder responder a la demanda que se avecina a consecuencia de las fiestas de fin de año, donde las familias estarán unidas, alegres y bien vestidas con la ropa que venderá Naicy cuando invierta su credikiva..

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
  • 138
    View loans »
    Colombia Loans Fundraising
  • $12,792,775
    Funds lent in using Kiva
  • 1,800.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Naicy to buy a variety sweets, as well as clothing and shoes in order to fill orders.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 22, 2012
Listed
Oct 29, 2012
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2013