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Marisol started her business selling cold-cuts two years ago taking advantage of her move to a neighborhood with many potential customers. She was aware of the opportunity she had to help her husband support their home (consisting of him, and their three children with ages ranging between 8 and 16 years) and bought a refrigerator that she stocked with cold-cuts which is a very well-received product in that sector. She started selling on credit very soon after and added cold beverages in larger amounts and at retail.

Marisol works hard Monday to Sunday in her sales tasks aimed at generating income to increase family well-being. Her goal is to increase her clientele and to do so needs working capital to invest while she’s collecting payments from her customers.

This is why she’s calling on a Kiva loan, her first financing with Fundación Mario Santo Domingo that she’ll use to buy cold-cuts to stock her refrigerator because she has a significant number of pending orders she intends to fill. She will use profits from her sales to reinvest and to sell much more, especially in December, which is a season when sales usually increase.
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Hace 2 años, Marisol inició su negocio de venta de carnes frías, aprovechando que se había mudado a un barrio con un amplio potencial de clientes. Ella fue consiente de la oportunidad que tenia, para ayudar a su esposo a sostener su hogar, (conformado por el y sus 3 hijos en las edades de 8 a 16 años), y empezó comprando un enfriador, que surtió de carnes frías, producto que tiene mucha acogida en ese sector. Muy pronto empezó a vender a crédito y agregó bebidas frías, en mayor volumen y al detalle. Marisol se esfuerza de lunes a domingos, en sus taras de ventas con el fin de generar ingresos, para aumentar el bienestar de su familia. Su meta es aumentar su clientela y para ello requiere capital de trabajo, para invertir mientras recoge el dinero, producto de las financiaciones que hace a sus clientes. Esta es la razón por la cual acude a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará carnes frías, para surtir su enfriador, pues tiene un volumen importante de pedidos, que planea responder, para con el producto de sus ventas, reinvertir y vender mucho mas, en el mes de Diciembre, temporada en la que usualmente las ventas ascienden.

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
  • 484
    View loans »
    Colombia Loans Fundraising
  • $14,958,950
    Funds lent in using Kiva
  • 1,879.9
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $625 helped Marisol to buy cold-cuts.
98% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 23, 2013
Oct 29, 2013
Currency Exchange Loss:
Dec 17, 2014