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Hernan
Hernán, 40, lives with his wife and two children who are 12 and 16 years old in Puerto Colombia on the shores of the Caribbean Sea where its beaches, breezes and sea make it delightful for its residents and tourists who visit to be nearer to nature.

Hernán owns a store that’s also become a restaurant where in addition to packaged snacks, food items, liquor and soft-drinks he also sells seafood and daily specials according to his customers’ wishes. His entrepreneurial idea arose when he was unable to secure employment and was looking for a way to generate income to support his family. Today, his store provides housewives with what families consume daily and on weekends especially he sells prepared food to passersby and tourists who pass by there. He sells for cash and also on credit to customers who he knows are responsible with their payments. His goal for later on is to turn it into a self-service store and to build a second story to move his family into thus separating the living quarters from the business area which is very necessary in order to provide serenity for his family.

Since he plans to attain his dreams little by little, he’s applying for a Kiva loan, his first financing with Fundación Mario Santo Domingo to buy food items, snacks and soft-drinks in larger amounts to qualify for special discounts and have stock on-hand to meet customer demand for end-of-year festivities that are approaching; this is an opportunity to have everything his clientele needs so he can sell much more.
View original language description ↓
Hernán de 40 años de edad vive con su esposa y sus dos hijos en las edades de 12 y 16 años, en el municipio de Puerto Colombia, a orillas del mar caribe, donde sus playas, la brisa y el mar, hacen de él, el deleite de sus habitantes y de turistas, que se acercan para recrearse y estar mas cerca a la naturaleza. Hernán es propietario de una tienda que ha convertido también en un restaurante, donde además de ranchos, víveres, licores, refrescos, vende comidas marinas y corrientes de acuerdo a los deseos de sus clientes. Su idea emprendedora nació después de no encontrar un empleo y buscaba la forma de generar ingresos para lograr el sostenimiento de su familia. Hoy su tienda provee a las amas de casa, lo que las familias consumen diariamente y también vende especialmente los fines de semanas, comidas, para los transeúntes y turistas que por allí pasan, Sus ventas las realiza de contado y también a crédito a clientes, de los cuales conoce su comportamiento de pagos. Su meta mas adelante es convertirlo en un autoservicio y terminar una segunda planta, para trasladarse con su familia y separar el espacio familiar del productivo, que hace mucha falta para conseguir el sosiego familiar. Como poco a poco intenta conseguir sus sueños, está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará víveres, ranchos, refrescos, en mayor volumen para lograr descuentos especiales y tener inventario con el cual responder a sus clientes en las fiestas de fin de año que se acercan y es una oportunidad tener todo lo que la clientela necesita para poder vender mucho 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
  • 535
    View loans »
    Colombia Loans Fundraising
  • $14,658,975
    Funds lent in using Kiva
  • 1,794.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Hernan to buy food items, packaged snacks and soft-drinks in larger amounts.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 29, 2012
Listed
Dec 19, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 18, 2013