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Vanessa
Vanessa, 25, lives in Cartagena de Indias, a beautiful, historic, coastal city on the shores of the Colombian Caribbean. She has a variety store there where she sells a little bit of everything, especially clothes from the United States of America her mother-in-law sends her from there. Vanessa lives with her spouse and little six-year-old son who she dreams with seeing become a very successful person. This is why she works persistently to reach her goal. Vanessa takes advantage of all seasons of the year to invest in her business and this final one of the year that’s filled with family gatherings is no exception because there is cash circulating in the streets and everyone is ready to spend.

She is currently applying for a Kiva loan, her first financing from Fundación Mario Santo Domingo, that she’ll use to buy clothes and toys which is what she sells most in December, something she’s learned from her four years’ experience in business. She gets support from her mother-in-law who lives in the United States; she sends her everything she needs that's on sale in stores because it's off-season and North Americans aren’t buying any longer. She sells on credit and also for cash to her main customers who are her local neighbors who come by Vanessa’s variety store daily to see what new things she has available for sale.
View original language description ↓
Vanessa de 25 años de edad, vive en Cartagena de Indias, hermosa e histórica ciudad costera, en el Caribe Colombiano; allí tiene una miscelánea donde vende de todo un poco, especialmente ropa proveniente desde los Estados Unidos de América, de donde se la envía su suegra. Vanessa vive con su cónyuge y su pequeño hijo, de 6 años, con quien sueña, verlo convertido en una persona muy exitosa. Esta es la razón por la cual se esfuerza en trabajar persistentemente, con tal de lograr su propósito. Vanessa aprovecha todas las temporadas del año, para invertirle a su negocio y este final de año, lleno de fiestas familiares, no es la excepción, porque hay dinero circulante en a calle y todos se preparan para gastar. En la actualidad está aplicando a un credikiva, primer financiamiento que hace ala Fundación Mario Santo Domingo, con el cual comprará ropa, y juguetería, que son los artículos que mas vende en el mes de Diciembre, experiencia que ha consolidado en sus 4 años de tener el negocio, apoyado por su suegra, quien como habita en Los Estados Unidos, le envía todo lo que necesita y que los almacenes ofrecen con descuentos, porque han pasado las temporadas en las cuales son compradas por los norteamericanos y estos dejan de adquirirlas. Sus ventas las realiza a crédito y también de contado a sus principales clientes, que son los vecinos de su sector, quienes diariamente pasan por su miscelánea de Vanessa para conocer que tiene de nuevo y comprarle.

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
  • 246
    View loans »
    Colombia Loans Fundraising
  • $13,361,775
    Funds lent in using Kiva
  • 1,826.4
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Vanessa to buy clothes and toys.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 31, 2012
Listed
Nov 9, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 30, 2013