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Ailyn Andrea
Ailyn is 21 years old and lives with her partner and her 3 year old daughter in the south of the city, in an area which is made up of houses and residential blocks. It is also where one of the most important football stadiums of Colombia is found, and where professional football teams, such as Junior, the team of the city and of the north coast of Colombia, play.

Here is where Ailyn has a general store, where she sells foodstuffs, snacks, tins, cold meats, vegetables and disposable items. Her business idea came about 8 years ago through the Turkish roots from her mother, whose strong point was her business activities. Her sales are all cash sales. She opens her store daily to serve the public from 7 o'clock in the morning until 10 o'clock at night.

She buys her stock wholesale in the city, where she has the opportunity to obtain discounts and can offer more competitive prices. As her market grows, her buying capacity is now not enough to access these opportunities. This is why she is requesting a loan, her first loan cycle with Fundación Mario Santo Domingo. With this loan she will buy basic family shopping basket items such as rice, oil, tins, cold meats and disposable products.

With this loan her work capital will increase and she will be able to buy in greater volume and at a more competitive price, which will give her greater sustainability in her market, as competition is her greatest challenge when she does not have enough work capital to buy her products.
View original language description ↓
Ailyn de 21 años de edad habita, habita con su cónyuge y su hija de 3 años de edad, al sur de la ciudad, en un sector que combina espacios habitacionales, conformados por casas y conjuntos residenciales y donde se encuentra ubicado uno de los escenarios de futbol más importantes de Colombia, y juegan los equipos profesionales del balompié, siendo el Junior el equipo de la Ciudad y de la Costa norte Colombiana. Allí Ailyn tiene un granero, y vende víveres, ranchos, enlatados, embutidos, verduras y artículos desechables; su idea de negocio nació hace 8 años y procede de su origen turco por parte de su madre, para quien las actividades comerciales son su fortaleza. Sus ventas las hace de contado, diariamente y abre sus puertas, para atender al público, desde las 7 de la mañana hasta las 10 de la noche, mientras sus compras las hace a mayoristas de la ciudad, quienes le ofrecen oportunidades de obtener descuentos y ser más competitiva. En la medida en que su mercado crece, los recursos de compra son insuficientes para acceder a estas oportunidades. Esta es la razón por la cual acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará artículos de la canasta familiar como arroz, aceite, enlatados, embutidos y también productos desechables. Con su inversión credikiva su capital de trabajo aumentará y podrá lograr compras en mayor volumen y a un precio mas competitivo, que le permite mayor sostenibilidad en su mercado, pues la competencia es su mayor desafio, cuando no tiene sufucuente capital de trabajo para realizar las compras.

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
  • 288
    View loans »
    Colombia Loans Fundraising
  • $13,892,025
    Funds lent in using Kiva
  • 1,848.1
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Ailyn Andrea to buy basic family shopping basket items such as rice, oil, tins, cold meats and disposable products.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 12, 2013
Listed
Apr 21, 2013
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2014