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Delvy Rosa
Delvy, age 42, lives in the Arjona municipality very close to the city of Cartagena de Indias. She sells varied merchandise like bedspreads, irons, pants, sweaters, and shirts, etc. She sells everything that her customers constantly ask for. She knows that pleasing them is part of her strategy to earn more money with her work. She sells for credit and for cash, adjusting to each season because she knows how to do this well.

The season for the carnival festivities in the city of Cartejena is approaching, and this also impacts Arjona. That is why her customers buy T-shirts, informal pants, and hats, etc. She is always ready to sell them what they need. Knowing this, she keeps her store stocked with this type of merchandise.

Now Christmas and the New Year are the closest season. Therefore, she needs a greater volume of products on hand. That is why she turns to a Kiva loan, her second loan with the Fundación Mario Santo Domingo. She will use the loan to buy sweaters and products for the bedroom. She says this about the loans, “Thank you very much for your help, and may you always continue to do this with a lot of people”.
View original language description ↓
Delvy tiene 42 años de edad y vive en un municipio muy cerca a la ciudad de Cartagena de Indias llamado Arjona. Ella se dedica a la venta de mercancía variada como cubrelechos, planchas, pantalones suéteres camisas etc. y todo lo que constantemente piden sus clientes, pues sabe que complacerlos es parte de su estrategia, para ganar más dinero con su trabajo. Ella vende a crédito y de contado ajustándose a cada temporada, porque conoce bien como hacerlo. Se acerca la temporada de festividades carnavaleras en la ciudad de Cartagena y esto impacta también a Arjona, por eso sus clientes compran camisetas, pastalones informales, sombreros etc. y ella siempre está dispuesta a vender lo que ellos requieren, siendo así su negocio permanece surtido con este tipo de mercancías. En la actualidad la temporada mas cercana es la navidad y el año nuevo y para ello requiere un mayor volumen de productos en existencia, por eso ha recurrido a un credikiva, segundo financiamiento que hace a la Fundación Mario Santo Domingo, con le cual comprara ropa suéteres y productos de dormitorios. Ella dice a sus financiadores. “Muchas gracias por su ayuda y que siempre lo sigan haciendo con muchas personas. “

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
  • 473
    View loans »
    Colombia Loans Fundraising
  • $15,265,400
    Funds lent in using Kiva
  • 1,822.5
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,100 helped Delvy Rosa to buy sweaters and products for bedrooms.
99% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 24, 2012
Nov 16, 2012
Currency Exchange Loss:
Jun 17, 2014