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Maria
María is 29 years old and lives with her husband and two children, ages 15 and 3, in a town very near Barranquilla, where she makes desserts, pudding, cookies, brownies, and cheese straws, sealed in Icopar containers and covered with a special type of plastic. She began this business in 2010 and it generates an income that benefits her household. She had taken a course where she learned how to prepare these items and a year later decided to begin her own entrepreneurial venture. Little by little she has been growing and consolidating her domestic market. She sells for cash from 7:00 am to 7:00 pm and fills orders for neighbors, other companies who place orders with her, and small businesses from the sector.
Her suppliers offer her discounts if she buys her supplies, such as wheat flower, in bulk. She passes her saving onto her customers and keeps them happy so that they will return to buy more. She is asking for a Kiva loan, through Fundación Mario Santo Domingo, to buy wheat flour, and dessert-making supplies. Since November she has been taking orders from families who want to celebrate Christmas and New Year with sandwiches, pastries, and desserts. María wants to be able to fill these orders with the products she makes with her own hands and tickle the taste buds of those who buy them and share her love of delicious puddings, desserts, etc. over these lovely December festivities and traditions. During this time her number of customers and income will increase.
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María de 39 años de edad, vive en un municipio muy cercano a la ciudad de Barranquilla con su cónyuge y sus 2 hijos de 15 y 3 años. Allí se dedica a la elaboración de postres, pudines, galletas, brownies y deditos de queso empacados en recipientes de icopar y cubiertos con un plástico especial para ello; negocio con el que genera ingresos que benefician a su hogar y que inició desde el año 2010, una vez realizó un curso, en el que aprendió la preparación de estos alimentos y un año después, decidió emprender sus propia aventura independiente, que poco a poco ha ido creciendo y consolidándose en su mercado doméstico. Sus ventas las realiza de contado, con una frecuencia semanal, desde las 7 de la mañana hasta las 7 de la noche y vende sobre pedidos a vecinos, empresas que le encargan y pequeños negocios del sector, comprando a su vez, la materia prima a mayoristas de productos derivados de la harina de trigo, quienes le ofrecen los mejores precios, los cuales traslada a su clientela y los mantiene felices y dispuestos a regresar a comprarle. En la actualidad está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará harina de trigo insumos de repostería, pues desde Noviembre ya ha tomado pedidos de familias, que quieren celebrar con tortas, ponqués y postres las fiestas del año nuevo y las navidades y que mejor que responderle a estos hogares, puede ocurrirle a María, quien con los productos elaborados por sus propias manos, deleitará el paladar de quienes le compran y reparten con amor las deliciosos pudines, postres, ponqués, deditos, pastelitos etc. en estas lindas fiestas y tradicionales fiestas decembrinas, en las que tambien aumentará su cobertura de clientes y aumentará sus ventas, para ganar un poco mas.

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
  • 302
    View loans »
    Colombia Loans Fundraising
  • $13,796,725
    Funds lent in using Kiva
  • 1,797.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Maria to buy ingredients.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 27, 2012
Listed
Dec 18, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 19, 2013