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Carmiña
Carmiña is 52 years old. She lives in Cartagena with her husband and she has 6 children ranging from 14 to 37 years old. She sells pies and skewered meat, generating an income which allows her to help with the household expenses.

Over the 11 years she has been in this business, Carmiña has learnt to make the right investments in keeping with the times and as such, her business has grown. She started out selling bread rolls, crisps and snacks outside the city's public transport terminals with her cousin. The bus conductors then asked her to sell pies as well, and these subsequently became her main product.

Carmiña's husband helps her to buy supplies while she is in charge of preparing the food and selling it. Everyday she chops vegetables, seasons the meat, and boils the water, adding a little salt. She then mixes the vegetable and meat together with rice or flour and wraps it in bijao tree leaves and ties each bundle with twine. It is cooked for several hours, after which it is unwrapped and fried.

Carmiña's pies are very well-cooked which is why her clients return time and again to buy them, especially for parties and at weekends. She also sells snacks, juices and drinks for cash or credit to restaurants and in the community where she lives.

Currently, she is applying for her first kiva loan with which she will buy wholesale staple goods such as rice, meat products, crisps and snacks, drinks and other supplies in order to meet demand for the end of the year. This is the time of year when she sells the most pies which means her kiva loan will be a success.
View original language description ↓
Carmiña de 52 años de edad, vive en la ciudad de Cartagena con su cónyuge y tiene 6 hijos en las edades de 14 a 37 años; allí se dedica a la venta de pasteles y chuzos, actividad con la que genera ingresos para apoyar los gastos de su hogar .En sus 11 años de experiencia, Carmiña ha aprendido a hacer inversiones ajustadas a cada época y por eso ha crecido su negocio, que inició en las terminales de transporte de la ciudad, con la venta de bollos y productos fritos empacados y en compañía de su prima; posteriormente los conductores de los buses, le pidieron que agregara pasteles y desde entonces su principal producto es justamente este. En su proceso de compras es apoyada por su esposo y la parte productiva la realiza ella misma, así que se dedica diariamente a picar la verdura, sazonar la carne, hierve el agua, a la que agrega sal y posteriormente en hojas de bijao (arbusto) envuelve la masa de arroz o harina mezclada con verduras y carnes, asegurándola cada una con pita y sometiéndola a cocción por varias horas, para luego enfriarla de manera natural. Los pasteles de Carmiña son muy bien preparados, por eso sus clientes siempre le están encargando, especialmente para las fiestas y fines de semanas; así mismo ella en su negocio vende mecatos, jugos, refrescos a crédito y de contado en restaurantes y en la comunidad donde habita. En la actualidad está aplicando a su primer credikiva, con el cual comprará materias primas como arroz, cárnicos, productos fritos empacados, refrescos y otros insumos en mayor cantidad, con el fin de atender la demanda de fin de año, en la que usualmente se vende un mayor numero de pasteles, comparada con la de todo el año, hecho que hace que su credikiva tenga mucho éxito.

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
  • 181
    View loans »
    Colombia Loans Fundraising
  • $12,868,250
    Funds lent in using Kiva
  • 1,816.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Carmiña to buy staple foods such as rice, meat, crisps and snacks, drinks and other supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 31, 2012
Listed
Nov 21, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 19, 2013