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Luzmila Isabel
Luzmila has two income-generating businesses: selling fruit and vegetables, and selling merchandise. Both businesses support her household which is made up of her husband and her two children (5 and 11). Luzmila arrived in the city of Barranquilla from her home town of Cereté, in Córdoba department, 12 years ago. It was at this point that she started gaining experience in selling fruit and vegetables, alongside her husband. Three years ago, she started selling tomatoes, onions, garlic and scallions, and fruit such as apples, oranges, mangos, papaya, melons, watermelons, lemons and every delicious, juicy fruit that grows on Colombian soil. Her main purchasers are the stores and restaurants near her business and also in other communities where she has gradually gained new customers. Luzmila and her husband work from Monday to Saturday, from 6.00am to 4.00pm. Her current goal is to expand her stock but she doesn't have enough capital to do so. This is why she is requesting a Kiva loan (her first loan from Fundación Mario Santo Domingo) to buy greater quantities of tomatoes, onions and seasonal fruit. She will also respond to customer orders for beauty products which is how she complements her income. She has a good customer base for these products. Luzmila's goal is to improve her well-being by working. She hopes to provide her children with a good-quality education so that they can get ahead in life and be successful.
View original language description ↓
2 son los negocios que tiene Luzmila, venta de frutas y verduras y de mercancías, para generar ingresos, ellos apoya el sustento de su hogar conformado por su cónyuge y sus 2 hijos en las edades de 5 y 11 años. Ella llegó a la ciudad de Barranquilla, proveniente de su natal Cereté, en el departamento de Córdoba desde hace 12 años momento mismo en el que inició su experiencia en el mercado de productos frutales y verduras, al lado de su cónyuge. Solo desde hace 3 años inició en su domicilio la distribución de tomate, cebolla, ají, cebollín y frutas como manzana, naranja, mango, papaya, melón, sandia, limón y cada una de las deliciosas y jugosas frutas que da la tierra en Colombia. Sus principales compradores son las tiendas y restaurantes situados alrededor de su negocio y en otras comunidades, donde poco a poco ha captado nuevos clientes. Ella y su esposo trabajan de lunes a sábados desde las 6 de la mañana hasta las 4 de la tarde. En la actualidad tiene el propósito de ampliar el surtido pero su capital de trabajo no es suficiente, ante su expectativa. Esta es la razón por la cual acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará tomate en mayor proporción, cebolla y frutas de la temporada actual. Así mismo responderá a pedidos de su clientela alrededor de productos de belleza, con los cuales complementa sus ingresos y para ellos tienen una efectiva clientela. Su meta es generar suficiente bienestar trabajando, brindándole a sus hijos una educación de calidad, con la cual puedan salir adelante y ser muy exitosos.

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
  • 182
    View loans »
    Colombia Loans Fundraising
  • $12,852,400
    Funds lent in using Kiva
  • 1,809.3
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,775 helped Luzmila Isabel to buy vegetables, tropical fruit and beauty products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 6, 2013
Listed
Mar 20, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 19, 2014