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Arnibi Esther
Arnibi, 38, lives in the south of the city with her partner and their three children aged between 13 and 18 years old, who she hopes will become successful professionals. This is why Arnibi works so hard in her business, through which she generates an income, to improve the well-being in her home.

Some 18 years ago, she started her business, selling a few items such as clothes and cosmetics and went on to add school stationery, paper and so on; goods which she displays in her stationery/general store, depending on the season.

When Arnibi started her business, she did so to generate an income from her home, at the same time as tending to her family. Today, her business has become a general store known by the whole community.

In the months from November to January, they need more working capital to invest, without losing the drive of her customers. This is where having enough working capital becomes one of her greatest challenges, as her buying power is not enough to meet her customer's demands, wishes and interests. This is why Arnibi is seeking a Kiva loan, the second loan she has taken from the Fundación Mario Santo Domingo, in order to buy clothes, school stationery and two freezers.

With the previous investment, Arnibi's sales grew and she attracted a lot more customers. Today she is proposing to add ice cream and Popsicles, diversifying her business in order to generate a little more profit, bolstering the business so that her Kiva loan is a winning investment. Arnibi is doing all of this with her family in mind, whom she loves deeply, and what better way to show it than to provide for their well-being?
View original language description ↓
Arnibi de 38 años, vive en el sur de la ciudad con su cónyuge y sus tres hijos en las edades de 18 a 13 años, de quienes espera se conviertan en profesionales exitosos; y es que esta es, la razón por la cual Arnibi se esfuerza en su negocio, mediante el cual genera ingresos, que aumentan el bienestar de su hogar, desde hace 18 años, cuando inició su actividad comercial, vendiendo pocos artículos, como ropa y cosméticos y fue agregando útiles escolares, papelería etc., mercancía que exhibe en su miscelánea-papelería, de acuerdo con cada temporada.
Cuando Arnibi inició su negocio, lo hizo con el fin de generar ingresos desde su hogar, al mismo tiempo en el que atendiera a su familia. Hoy su negocio convertido en una miscelánea, es reconocido por toda la comunidad. Los meses de Noviembre a Enero, requieren mayor capital de trabajo para invertirle, sin perder el dinamismo de su clientela; es aquí donde tener el capital de trabajo suficiente, se convierte en uno de sus mayores desafíos, pues su capacidad de compra no alcanza para dar respuesta a las necesidades, deseos e intereses de su clientela; esta es la razón por la cual acude a un credikiva, segundo financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará ropa, útiles escolares y 2 congeladores. Con su anterior inversión, se incrementaron sus ventas y ganó muchos mas clientes, hoy se propone agregarle helados y paletas, diversificando su oferta, para generar un poco mas de utilidades, potencializando que su credikiva sea una inversión exitosa; todo esto lo hace pensando en favorecer a su familia, a quien ama profundamente y que mejor manera de demostrárselo, que proveyéndole bienestar.

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

  • $11,100
    Average annual income
  • 554
    View loans »
    Colombia Loans Fundraising
  • $14,903,600
    Funds lent in using Kiva
  • 1,777.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Arnibi Esther to buy clothes, school stationery and 2 freezers.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 12, 2012
Listed
Dec 26, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 19, 2013