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Kelly Johana
Kelly, 31, is a clothes merchant specializing in women’s, men’s and children’s sportswear; she sells by means of specialized catalogues that she uses to promote her wares. She sells both for cash and on credit to her customers who are both stores and individuals. She supports her home composed of her spouse and 12-year-old daughter, who she hopes to see become a successful professional, with her business. Kelly has 15 years’ experience in her business and her husband started her out in this activity which he knows very well; she’s a very enthusiastic person.

Her main products are shorts, skirts, blouses and other items in her catalogues like cosmetics, perfumery, kitchen items, etc. Her main challenge at present is working capital because it’s insufficient to meet end-of-year demand, a season when everyone wants to be well-dressed to spend the holidays with their families. There is also much ready cash on-hand due to employee bonuses and gifts.

This is why she’s calling on a Kiva loan, her first financing with Fundación Mario Santo Domingo to buy outerwear and underwear, cosmetics and perfumery in general as well as women’s accessories. Her goal for later on is to specialize in clothes and to have a store to display it; undoubtedly she’ll succeed in doing so with her work.
View original language description ↓
Kelly de 31 años de edad, se dedica al comercio de ropa en general, especialmente en la línea deportiva, para damas, caballeros e infantil, a través de guas especializadas de productos o catálogos, mediante los cuales los promociona, para venderlos a crédito y de contado, entre sus clientes, que están conformados por almacenes y personas naturales. Con su negocio apoya el sustento de su hogar conformado por su cónyuge y su hija de 12 años de edad, con quien sueña ver convertida en una profesional de éxito. Kelly tiene 15 años de experiencia en su negocio y fue iniciada por su esposo en esta actividad, que él conoce muy bien y es una persona muy entusiasta. Sus principales productos son los pantalones cortos, faldas, blusas, y otros artículos que vienen en sus catálogos, como cosméticos, perfumería, productos de cocina etc. En la actualidad su capital de trabajo se constituye en su mayor desafío, porque no es suficiente cuando se trata de atender la demanda del fin de año, época en la cual todos quieren estar muy bien vestidos, para esperar las fiestas en familia y también hay mucha rotación de dinero, producto de primas y bonificaciones a los empelados. Esta es la razón por la cual acude a un credikiva, primer financiamiento que hace ala Fundación Mario Santo Domingo, con el fin de comprar ropa exterior e interior, cosméticos y perfumería en general, así como accesorios femeninos. Su meta mas adelante es especializarse en ropa y tener un almacén donde exhibirla y muy seguramente con su trabajo esmerado lo va a conseguir.

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
  • 507
    View loans »
    Colombia Loans Fundraising
  • $14,967,675
    Funds lent in using Kiva
  • 1,832.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Kelly Johana to buy clothes, cosmetics and perfumery in general.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 29, 2012
Listed
Oct 30, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 2, 2013