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Leyla
Leyla, 47, lives in the city of Cartagena de Indias with her spouse and three children whose ages range from 5 to 21 years. She has a beauty shop there where she offers image enhancing services to all the surrounding families. Her business started when she took an evening barber course at the age of 16 while working days because the teacher hired her when she saw her enthusiasm and capacity for applying the skills she was learning. She gained vast experience this way and sometime later capitalized her business and has it to this day.

She started out buying her work tools with her own income and continued taking refresher beauty courses and gradually expanded her growth possibilities; she purchased furnishings to organize her sales point. Her drive for advancement led to her opening an academy and she taught courses. Later on she became still better-known and she got a job that required her to travel frequently so she changed her business for a good job. Five years after that, though, she returned to her original idea of having her own business. She’s done very well with this one and she simultaneously generates income by selling merchandise, especially those associated with beauty. She’s a beauty consultant and sells cosmetics and hair products at the same time and this is what her customers like best.

She’s currently applying for a Kiva loan, her first financing with Fundación Mario Santo Domingo that she’ll use to buy hair treatments and cosmetics as well as a display case to keep her inventory well-organized. Her Kiva loan’s success rests on her vast experience and her managing to lower costs by being able to pay cash for larger amounts which is precisely what Leyla is pursuing.
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Leyla de 47 años, vive en la Ciudad de Cartagena de Indias, con su cónyuge y sus tres hijos en las edades de 5 a 21 años. Allí tiene un salón de belleza donde ofrece servicios de mejoramiento de la imagen a todas las familias que la rodean. Su idea de negocio inició, cuando a los 16 años hizo un curso de peluquería por las noches y al mismo tiempo trabajaba de día, pues la profesora la contrató al ver su entusiasmo y su capacidad de aplicar lo aprendido, logrando así una gran experiencia, que tiempo después capitalizó en un negocio, como hoy lo tiene. Ella empezó comprando con sus propios ingresos, las herramientas de trabajo y continuó actualizándose en el tema de belleza, por eso poco a poco amplió sus posibilidades de crecimiento, comprando enseres para organizar un punto de atención; su ganas de avanzar le facilitó el tener una academia y ofrecía clases; posteriormente se hizo reconocida y consiguió un trabajo en el que tenia que viajar frecuentemente, por eso cambió su negocio por un buen empleo, pero 5 años después regresó a su inicial idea, la de tener su propio negocio. Con este le ha ido muy bien y simultáneamente genera ingresos por la venta de mercancías, especialmente las asociadas a la belleza, así ella asesora y vende productos cosméticos y capilares al mismo tiempo y esto es lo que más le gusta a su clientela. En la actualidad está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará tratamientos capilares y productos cosméticos, así como una vitrina para mantener bien ordenado su inventario. El éxito de su credikiva es su gran experiencia y el logro de disminuir sus costos, comprando de contado y en mayor volumen y justamente eso es lo que persigue Leyla.

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
  • 282
    View loans »
    Colombia Loans Fundraising
  • $13,826,450
    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 Leyla to buy hair products and cosmetics.
99% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 21, 2012
Listed
Nov 29, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 20, 2014