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Emma Rosa

Update on Emma Rosa

Thank you for supporting Emma with her merchandise sales. With her Kiva loan she was able to increase her inventory and also her sales. Her business'; image improved, since she had capital and inventory. She says to her lenders "thank you for the support you have given and I hope you keep supporting us." Right now, she is applying for a Kiva loan to buy varied merchandise such as clothes, shoes and other articles to increase her sales. The season with the most sales is coming, a time which will also positively impact her domestic budget.
View original language description ↓
Gracias por apoyar a Emma en su venta de mercancias pues con su creikiva logró aumentar sus inventarios y tambien sus ventas. La imagen de su negocio mejoró ya que contó con un capital y su inventario. Ella dice a sus finaciadores : " Gracias por el apoyo brindado y ojalá nos sigan apoyando. " En la actualidad está aplicando a un credikiva, con el cual comprará mercancia variada como ropa, calzado, entre otros articulos que aumentarán sus ventas pues se acerca la temporada de mayor movimiento comercial, época en la cual tambien impacta positivamnete su economia doméstica,

Previous Loan Details

Emma, 63, works selling products via specialized guidebooks or via catalogue. She has 20 years’ commercial experience because she worked selling lottery tickets but ten years ago got sick and had to have surgery and couldn’t continue selling lottery tickets because she had to stay home. At th... More from Emma Rosa's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Colombia

  • $11,100
    Average annual income
  • 381
    View loans »
    Colombia Loans Fundraising
  • $16,201,675
    Funds lent in using Kiva
  • 1,881.8
    Colombia Pesos (COP) = $1 USD
A loan of $625 helped Emma Rosa to buy varied merchandise such as clothes, shoes and other items.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 9, 2013
Currency Exchange Loss:
Nov 8, 2013