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Carmen Patricia
Carmen is a mother of two children who are six and eight years old. To support her household she earns a living by selling a variety of merchandise in a small shop, and she is also a manicurist and baker. Five years ago she began these activities after participating in many courses during which she decided to create her own endeavors, and these became her main sources of income.

Her shop is located in a place in her house. On the weekends she makes cakes to sell to customers who order them, and she works as a manicurist from home. She does all of this in order to generate an income that supports her family. From Monday to Sunday, 7:00 in the morning to 9:00 at night, Carmen works without rest in order to get her family ahead in life. Her main customers are neighbors in the area to whom she sells her products and services on account. Her goal is to extend her market and little by little she is doing it, but her greatest challenge is not having enough working capital to accomplish this.

This is the reason behind the Kiva loan and her first financing from Fundación Mario Santo Domingo, which will be used to buy a variety of merchandise and supplies for fulfilling and selling cakes in the coming festivals. Likewise, she will use it to get available nail enamels in order to do nails appropriately for the carnival season, which is approaching. Her future goal is to have her own home. This is why she gets up every day with a strong vision of her intention, as this can improve the success of her children in the future.
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Carmen es madre de 2 niños en las edades de 6 y 8 años. Ella para sostener su hogar se dedica a comercializar mercancía variada en una miscelánea y también es manicurista y repostera; desde hace 5 años, nació desarrolla estas actividades, después de participar en muchos cursos de los cuales decidió derivar sus propios emprendimientos, que convirtió en su principales generadores de ingresos. En un local de su casa, tiene su miscelánea y también los fines de semanas, elabora postres que vende a clientes que se lo encargan y trabaja como manicurista a domicilio, todo esto lo lleva a cabo para generar ingresos con el que beneficien a su familia. De lunes a domingos de 7 de la mañana a 9 de la noche, Carmen trabaja sin descansos con el fin de sacar su familia adelante. Sus principales clientes son los vecinos del barrio a quienes les vende sus productos y servicios de contado. Su meta es extender su mercado y poco a poco lo está consiguiendo, pero su mayor desafío es no tener el suficiente capital de trabajo para lograrlo, Esta es la razón por la cual acude aun credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará mercancía variada e insumos para provisionarse y vender postres en las fiestas venideras, lo mismo para tener disponible esmaltes, para hacer arreglos de uñas apropiadas a la temporada de carnaval, que se acercan. Su meta mas adelante es tener su propia cas y por eso diariamente se levanta con la visión firme en su propósito, para con ello poder potencializar el éxito de sus hijos en el futuro.

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
  • 191
    View loans »
    Colombia Loans Fundraising
  • $12,874,825
    Funds lent in using Kiva
  • 1,778.5
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $575 helped Carmen Patricia to buy carnival items, confectionery products, and nail enamel.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 5, 2013
Feb 4, 2013
Currency Exchange Loss:
Jun 17, 2014