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Maria
Maria is 38 years old. She lives with her partner and their daughter who is 4 years old. For four years, she has been dedicated to commercial activity which she began with the goal of supporting the home expenses, generating income in an independent way. Previously, Maria worked as a domestic worker and she saved to buy her first items to sell and then retired from that job. Today she works from Monday to Sunday from midday until nighttime. She makes her purchases with cash and makes her sales on credit that she grants on a short term basis to residents of the neighborhood where she lives, as well as family members and people referred to her, who day after day become regular customers. Her goal in the future is to have her own shop and her greatest challenge is to acquire her own house to accomplish her dream of prosperity. Currently she is applying for a CrediKiva through which she will buy perfume and cosmetics for men and women, with the goal of providing a greater variety to her range and impact the attention, interest, desire and action to buy these items among her customers, making her CrediKiva the best investment of the year.
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Maria de 38 años de edad, habita con su cónyuge y su hija de 4 años de edad. Ella desde hace 4 años, se dedica a la actividad comercial, la que inició con el fin de apoyar los gastos de su hogar, generando ingresos de manera autónoma. Anteriormente Maria trabajó como empleada del servicio doméstico, y ahorró para comprar sus primeros artículos para la venta, una vez se retiró de este oficio. Hoy trabaja de lunes a domingos, desde el medio día, hasta la noche. Sus compras las realiza de contado y sus ventas a créditos que otorga a corto, plazo, entre moradores del barrio donde habita, familiares y referidos, que día a día se convierten en sus clientes fijos. Su meta mas adelante es tener un local propio y su mayor desafío es adquirir una casa propia, para cumplir su sueño de prosperidad. En la actualidad está aplicando aun credikiva, mediante el cual comprará perfumería y cosméticos para damas y caballeros, con el fin de darle una mayor variedad a su oferta e impactar la atención, el interés, el deseo y la acción de compra de estos artículos, entre su clientela, haciendo de su credikiva la mejor inversión del año.

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
  • 180
    View loans »
    Colombia Loans Fundraising
  • $12,868,250
    Funds lent in using Kiva
  • 1,839.5
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $450 helped Maria to buy perfume and cosmetics for women and men.
99% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 15, 2013
Listed
May 22, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 29, 2014