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Norma Isabel
Norma is a married woman and the mother of three children. She lives in the city of Cartagena, a place where she has worked as a merchant for many years. At a young age, she began selling merchandise to her friends and now she distributes products to other departments within Colombia because her clientele has grown. Nine years ago, Norma joined Fundación Mario Santo Domingo, an organization that has helped her to grow. She currently handles direct sales by herself, but over time she would like to have a team of salespeople in different neighborhoods of the city and in other departments. Her goals going forward are to finish the renovations to her house and to become the best salesperson of her products on a national level.

Norma is now applying for her first Kiva loan so that she can purchase a large volume of products through a promotion. This will increase her sales and generate more profits, thus turning her Kiva loan into a successful investment.

View original language description ↓
Norma es una mujer casada madre de 3 hijos que habita en la ciudad de Cartagena, lugar donde tienen muchos años de ser comerciante, pues desde muy joven comenzó vendiendo artículos entre amigas y hoy los distribuye a otros departamentos de Colombia, porque su clientela ha crecido. Hace 9 años está vinculada a la Fundación Mario Santo Domingo, organización mediante la cual ha logrado crecer, pues de ser vendedora directa solamente ha pasado a tener un equipo de asesores comerciales en diferentes barrios de la ciudad y en otros departamentos. Su meta mas adelante es finalizar las adecuaciones a su vivienda y convertirse en nacionalmente en la mejor comerciante de sus productos. En la actualidad está aplicando a su primer credikiva, con el cual comprará en mayor volumen productos en promoción, lo que aumentará sus ventas y obtendrá mayores ganancias, haciendo de su credikiva una inversión exitosa.

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
  • 366
    View loans »
    Colombia Loans Fundraising
  • $15,629,950
    Funds lent in using Kiva
  • 1,835.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Norma Isabel to buy a large volume of cosmetics through a promotion.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 17, 2013
Currency Exchange Loss:
Apr 17, 2014