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Clara Celmira
Clara is a 55-year-old merchant who lives with her companion and her adult daughter in Villa Estadio barrio in the municipality of Soledad. Some 10 years ago, the couple became unemployed and decided to find an alternative means to generate income.

Initially, with money they received for their work termination, they traveled to the municipality of Maicao, Guajira department, a frontier zone where many merchants go to purchase groceries and non-perishable food products at favorable prices to later sell at retail, mainly among barrio residents, friends, and acquaintances.

Little by little, Clara acquired new customers who came soliciting all kinds of different articles, including food, clothing, shoes, and domestic electrical appliances, among others. She extended credit for up to 45 days, a means of selling that they still employ. Last June, she made her 1st loan request but it expired due to time limits.

Now, once again, Clara is applying for a loan, her 1st from Kiva. The funds will be used to purchase catalog items (colognes, creams, deodorants, shampoos) solicited by her customers. Her business is a family affair, organized so that each member is in charge of a segment of customers, thus assuring good attention.

Clara's dedication and efforts have been fundamental factors in reaching her goals, turning difficulties into an opportunity to get ahead. One of her short term objectives is to complete construction of her house, for which she has been working in recent years alongside her family. She feels very satisfied and grateful for all that she has been able to achieve up to the present.
View original language description ↓
Clara es una comerciante de 55 años que vive con su compañero y su hija mayor de edad en el barrio Villa Estadio del municipio de Soledad. Hace aproximadamente 10 años su pareja quedó sin empleo por lo cual decidieron buscar alguna alternativa de generación de ingresos. Inicialmente, con el dinero recibido por la liquidación laboral, viajaron al municipio de Maicao en el departamento de la Guajira, zona fronteriza a donde se trasladan muchos comerciantes, para comprar víveres y productos alimenticios no perecederos a precios favorables para luego venderlos al detal principalmente entre los tenderos del barrio, amigos y conocidos. Poco a poco fue adquiriendo nuevos clientes que le iban solicitando toda clase de artículos diferentes a alimentos así como ropa, calzado, electrodomésticos, entre otros, acreditándoles con plazos hasta de 45 días, modalidad de venta que aún conserva. En junio del año pasado publicamos su primera solicitud de crédito, sin embargo, ésta expiró por límite de tiempo. Nuevamente la estamos presentando para que aplique a su primer credikiva, el cual lo invertirá en la compra de artículos de catalogos (colonias,cremas, desodorantes,champus) que le han solicitado sus clientes. Su negocio es familiar, organizado de tal manera que cada uno se encarga de un segmento de clientes para asegurar así una buena atención. Su dedicación y esfuerzo han sido factores fundamentales para cumplir sus metas, haciendo de las dificultades una oportunidad para salir adelante. Uno de los objetivos a corto plazo es la consecución de su vivienda propia para lo cual ha venido trabajando en los últimos años junto con su familia. Se siente muy satisfecha y agradecida por todo lo que ha podido lograr hasta el momento.

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
  • 510
    View loans »
    Colombia Loans Fundraising
  • $14,967,675
    Funds lent in using Kiva
  • 1,922.1
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,325 helped Clara Celmira to buy catalog merchandise: colognes, creams, deodorants, shampoos, that her customers have ordered.
97% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 27, 2013
Listed
Jul 12, 2013
Currency Exchange Loss:
Possible
Ended:
Feb 20, 2015