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Kelly Johana
Kelly, 26, is a young woman who sells footwear, clothing and gold jewelry. She does her pre-sales and then distributes her goods and collects payment from her credit customers. Since she started a year ago she pays cash for her purchases in specialized stores in the city of Bucaramanga where quality of said products in unequalled. Her main customers are her neighbors and employees they refer to her. Kelly’s main goal is to make her business grow because she dreams with acquiring her own locale and her greatest challenge in not having a source of financing to help her while her accounts receivable are collected.

Because of this, she’s calling on a Kiva loan, her first financing with Fundación Mario Santo Domingo to buy footwear, blouses, jeans and items of clothing to take advantage of the Christmas and New Year’s season when families dress up elegantly to celebrate and welcome the year that’s beginning. This is why her Kiva loan, her first financing with Fundación Mario Santo Domingo, will be successful because it will help her have additional working capital to buy in larger amounts and it comes at the best time of the year for sales: the month of December.
View original language description ↓
Kelly de 26 años de edad, es una joven dedicada al comercio de calzado, ropa y prendas de oro. Ella distribuye sus productos, después de haber hecho su preventa y recuperación de cartera de créditos. Desde hace 1 año cuando inició, sus compras las realiza de contado en almacenes especializados en la ciudad de Bucaramanga, donde la calidad de estos productos es inigualable. Sus principales clientes son sus vecinos y empleados que estos le refieren. Kelly tiene como meta principal, hacer crecer su negocio pues sueña con adquirir un local propio y su mayor desafío, es no tener fuentes de financiamientos que la ayuden a apalancar sus cuentas por cobrar. Esto es la razón por la cual acude a un credikiva, prime financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará calzado, blusas, jeanes y prendas de vestir, pues aprovechará la época navideña y de despedida del año nuevo, temporada donde las familias se visten elegantes, para celebrarlas y recibir el año que inicia. Este es justamente el éxito de su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, que le ayudará a tener un capital de trabajo adicional, para comprar en mayor volumen y es recibido en la mejor época del año para comercializar: el mes de Diciembre.

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
  • 137
    View loans »
    Colombia Loans Fundraising
  • $12,811,350
    Funds lent in using Kiva
  • 1,794.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Kelly Johana to buy footwear, blouses, jeans and articles of clothing.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 23, 2012
Listed
Dec 19, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 18, 2013