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Consuelo
Consuelo, 32, lives with her husband and two children, ages 14 and 15, in the city of Cartagena de Indias. There she earns a living selling meat in a small infrastructure that she would like to improve in order to be able to reach a greater number of customers. Her experience dates back 6 years to when, taking advantage of her husband working in a company dedicated to raising and selling chickens, she decided to start her own business venture. Today her principal products are beef, chicken, and cold cuts, which she sells whole or by the pound, on credit or for cash, depending on the customer. Her principal buyers are the residents of her neighborhood and the largest volume of sales is usually in the month of December during the festivities that take place in the city, such as carnival parties, religious celebrations, etc.

Currently Christmas and the New Year’s holidays are approaching so the demand has increased while her working capital is too diminished to buy a freezer that will permit her to store a larger volume of meat products in optimum conditions and to respond to the increase in her orders during the periods when sales rise. This is the principal reason for acquiring a Kiva loan, her second through the Fundación Mario Santo Domingo. She will buy a freezer with two doors and a larger volume of chickens and meats. By having her products well stored and consistently available, she hopes to increase her earnings and finally realize her dream of having her own home. She is already saving for the down payment to start fulfilling her dream.
View original language description ↓
Consuelo de 32 años de edad vive con su cónyuge y sus dos hijos en las edades de 14 y 15 años en la ciudad de Cartagena de Indias; allí se dedica a la venta de alimentos cárnicos, en una pequeña infraestructura que desearía mejorar, para poder alcanzar un mayor número de clientes. Su experiencia data de hace 6 años, cuando aprovechando que su esposo trabajaba en una empresa dedicada a la cría y comercialización de pollos, decidió emprender su propia aventura de negocios. Hoy sus principales productos son carnes de res, pollos y carnes frías, los cuales vende por unidad o por libras, mediante el sistema de crédito o de contado de acuerdo a cada cliente. Sus principales compradores son los vecinos de su sector y el mayor volumen de ventas lo tiene usualmente en el mes de Diciembre y durante las festividades que se realizan en la ciudad, como fiestas carnavaleras, religiosas etc . En la actualidad se acercan las navidades y las fiestas de año nuevo, por eso su demanda se incrementa mientras su capital de trabajo se nota disminuido, para poder comprar un congelador que le permita almacenar un mayor volumen de productos cárnicos en óptimas condiciones y responder al incremento de sus pedidos en temporadas en las cuales se incrementan las ventas. Esta es la razón principal por la cual acude a un credikiva, segundo financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará un congelador de dos puertas y un mayor volumen de pollos y de carnes, con los cuales espera mejorar sus ingresos, teniendo bien almacenados y de manera constante los productos que ella ofrece, para finalmente cumplir su sueño de tener una casa propia, pues ya se encuentra ahorrando la cuota inicial para empezar a cumplir su sueño.

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
  • 287
    View loans »
    Colombia Loans Fundraising
  • $14,063,675
    Funds lent in using Kiva
  • 1,824.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Consuelo to buy a two-door freezer and a larger volume of chicken and meat.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 23, 2012
Listed
Nov 20, 2012
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2013