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Sandra Patricia
Sandra, 38 years old, lives in the municipality of Soledad in the metropolitan area of Barranquilla with her two children, 15 and 18 years old. There she earns income by selling merchandise in a general store or business located in her own house. Her main products are clothing, shoes, cosmetics, and stationery, which she sells on a cash basis to customers from the neighborhood and surrounding areas every day starting at 9 in the morning and ending at 9 in the evening or later, if necessary. The idea of selling merchandise initially came to Sandra 8 years ago, and because of this she chose to join up with a multinational company to sell its products through catalogues or specialized product guides. Little by little she bought display cases with her earnings, and then her own premises, in which she can still be found and from which she distributes her products in cash to the end customer who buys it at retail. Lately she has been offering communication services by the minute, which generates new income. In this way she makes the most of her land line customers with the goal of boosting both businesses. Her goal is to achieve a wide variety of products and find a new place of business or branch with this same concept. Her capacity to buy in order to satisfy the growing demand is getting smaller and smaller, but her desire to grow is persistent. Therefore, she is taking out a Kiva loan, the first financing she has had with Fundación Mario Santo Domingo. With it, she will buy mainly shoes and clothing, since she wants her customers to be really elegant when celebrating Christmas and the New Year with family, and for them to be satisfied with the purchases made at her business. This is just what will make her Kiva loan successful: Sandra knows the market and knows how to take action in it to engage in win-win negotiations.
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Sandra de 38 años de edad, vive en el municipio de Soledad, área metropolitana de Barranquilla con sus dos hijos de 15 y 18 años. Allí se dedica a generar ingresos mediante la venta de mercancía en miscelánea o punto comercial, ubicado en su propio domicilio. Sus principales productos son la ropa, el calzado, los cosméticos y la papelería, los cuales vende de contado, a clientes del barrio y de sus alrededores, de lunes a domingo, iniciando desde las 9 de la mañana y terminando a las 9 de la noche o más, si es necesario. Inicialmente surgió a Sandra la idea de vender mercancía hace 8 años y por eso optó por incorporarse a una multinacional, para vender sus productos mediante catálogos o guías especializadas de productos. Poco a poco con sus ganancia, fue comprando vitrinas y luego su propio local, en el que aun se encuentra y desde el cual distribuye sus productos, de contado al consumidor final que le compra al detal. Últimamente ofrece servicios de comunicaciones por minutos, lo cual genera un nuevo ingreso y así aprovecha su clientela doméstica con el fin de activar ambos negocios. Su meta es lograr una gran variedad de productos y ubicar un nuevo punto comercial o sucursal, con este mismo concepto. Su capacidad de comprar, para satisfacer la creciente demanda cada vez es menor, pero sus deseos de crecer son persistentes y por eso acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará Calzado, y ropa principalmente, pues desea que su clientela esté bien elegante celebrando la navidad y el año nuevo en familia y se sientan satisfechos con la compra realizada en su negocio ; esto es lo que justamente hace que su credikiva tenga éxito: que Sandra conoce el mercado y sabe como accionar en el para hace negociaciones yo gano tu ganas.

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
  • 465
    View loans »
    Colombia Loans Fundraising
  • $15,270,025
    Funds lent in using Kiva
  • 1,761.5
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $625 helped Sandra Patricia to buy mainly shoes and clothing.
99% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 4, 2013
Currency Exchange Loss:
Feb 21, 2014