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Isabel Maria
Isabel is the mother of 2 children, aged 17 and 30. She lives with them in a town on the shore of the Caribbean. In 1995, when she accompanied a friend to buy varied merchandise to sell in another department of the Colombian Caribbean, she realized that it was a very good business and she started to sell groceries directly to the residents of the town where she lives. She does her business now on credit every day from 8 in the morning until 6 i the evening. She pays for her merchandise upfront in granaries and stores and warehouses in the department of La Guajira in northern Colombia. Her main customers are people she knows and retirees whom she has won over little by little, and with whom she has been able to grow her business. Her goal for the future is to open her locale to the public and remodel her store. Her biggest challenge is increasing sales. Right now she is applying for a Kiva loan, the first loan she has taken out with the Fundación Mario Santo Domingo. With it, she will buy rice, sugar, grains, vegetable oil, etc. Her goal is to increase her sales and her profits, making her Kiva loan successful.
View original language description ↓
Isabel es madre de 2 hijos en edades e 17 a 30 años, con quienes habita en un municipio a orillas del mar caribe. En el año 1995 cuando acompañó a una amiga a comprar mercancía variada para vender, en otro departamento del caribe Colombiano, se dio cuenta que era muy buen negocio y empezó a vender víveres y a venderlos directamente a los habitantes del pueblo donde habita. Su negocio lo realiza hoy en día a crédito durante todos los días desde las 8 de la mañana hasta las 6 de la tarde y compra de contado en graneros y almacenes y depósitos en el departamento de la Guajira al norte de Colombia. Sus principales clientes son conocidos y pensionados, que poco a poco ha fidelizado y con ellos ha logrado hacer crecer su negocio. Su meta mas adelante es abrir un local al público y remodelar su vivienda, pero su mayor desafío es incrementar las ventas. En la actualidad está aplicando a un credikiva, primer financiamiento que hace ala Fundación Mario Santo Domingo, mediante el cual comprará arroz, azúcar, granos, aceite vegetal etc. Con ello se propone aumentar sus ventas e incrementar sus utilidades; lo cual hace que su credikiva se torne exitoso.

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
  • 471
    View loans »
    Colombia Loans Fundraising
  • $15,266,950
    Funds lent in using Kiva
  • 1,914.6
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Isabel Maria to buy rice, vegetable oil, coffee, sugar, grains, pastas, personal hygiene items detergent, etc.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 28, 2013
Sep 18, 2013
Currency Exchange Loss:
Aug 17, 2014