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Gladys
61-year old Gladys lives with her husband and four children aged between 35 and 41 in the town of Cartagena, located on the Caribbean. It's one of the most beautiful tourist sites in Colombia, and also very well known because one of the most important naval bases in the country is located there. Cartagena is well known too for its historic and artistic heritage which spans many eras: Carthage, Roman, and Byzantine. It has modern and contemporary military buildings as well those dating from neoclassic times.

It is in this wonderful place that Gladys runs her modest business. She has an excellent client base who buy from her on credit and make their repayments punctually. She has built up this client base gradually, carefully working out their prospects and ability to make the repayments.

Most popular among the products she sells is women's clothing, footwear, and accessories which she promotes through specialist catalogs and from whom she buys on occasion when they have special offers. Gladys always knows what is selling well so she can offer the best products at the lowest prices. Her goal in the future is to own a bigger store with a wide range of merchandise to attract her customers while she serves them and generates income.

Now Gladys is seeking a loan from Kiva to buy up to date clothing and footwear as her customers like to see change, and she likes to give them what they are asking for. Her business will become financially sustainable generating more income for the benefit of her and her family.
View original language description ↓
Doña Gladys de 61 años de edad vive con su cónyuge y tiene 4 hijos en las edades de 35 a 41 años de edad, en la ciudad de Cartagena, lugar ubicado a orillas del Mar Caribe, uno de los sitios turísticos mas hermosos de Colombia y muy reconocido, pues tiene una de las principales bases navales del país y por su patrimonio histórico-artístico, que abarca de vestigios de época cartaginesa, romana, bizantina, edificaciones de carácter militar de época moderna y contemporánea, así como también edificios neoclásicos y modernistas. Allí en este fantástico lugar y de manera modesta se dedica a la actividad comercial; ella tiene una excelente cartera de clientes que le compran a crédito y le pagan puntualmente, su clientela la ha ido construyendo poco a poco y con mucho estudio de sus potencialidades y capacidad de pago. Entre sus mercancías más comunes, está la ropa femenina el calzado y accesorios femeninos, que promociona mediante guías especializadas de productos a las cuales se encuentra afiliada y compra ocasionalmente a proveedores varios, cuando le ofrecen precios de oportunidad. Doña Gladys siempre está atenta a como se mueve el mercado, para ofrecer los mejores productos a los mas bajos precios. Su meta mas adelante es tener su propio almacén, con una gran diversidad de artículos para que sus clientes se impacten, mientras ella les sirve y genera ingresos. En la actualidad está aplicando a un credikiva, mediante el cual comprará ropa y calzado, entre otras mercancías que están a la moda, porque a sus clientes les gusta el cambio y ella da a su clientela lo que ellos piden, para poder lograr la sostenibilidad financiera de su negocio y generar cada vez mas ingresos, que beneficien el bienestar personal y el de su familia..

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
  • 187
    View loans »
    Colombia Loans Fundraising
  • $13,230,600
    Funds lent in using Kiva
  • 1,899.4
    Colombia Pesos (COP) = $1 USD
Expired
A loan of $1,325 helped Gladys buy clothing and footwear.
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 28, 2013
Listed
Jun 8, 2013
Currency Exchange Loss:
Possible
Expired:
Jul 8, 2013