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Carmen Elena
Carmen is 49 years old and the mother of three children between the ages of 16 and 28. She has a barber shop near the city of Barranquilla, where she offers haircuts, styles, smoothing, and also sells beauty products and gives advice to her customers. Her customer base constantly increases and she needs to serve them well so that they will be comfortable while they receive aesthetic treatments.

When she started her business, she did so so that she could achieve financial Independence because she never liked to have to depend on someone else. She saw others doing this, practiced, and she was able to capture this experience, since she never took technical courses. She made her first steps in her home and little by little she was able to open a shop near her home after two years, and add products that her customers needed. She is asking for a Kiva loan so she can buy beauty products such as shampoo, conditioner, tints, massages, etc. She also wants to buy two barber chairs and six plastic chairs, as well as some manicuring equipment. This way she will have a comfortable environment that she will need in December, when her number of customers increase, which leads to her success.
View original language description ↓
Carmen de 49 años de edad, madre de 3 hijos en las edades de 16 a 28 años, es la propietaria de una peluquería en un lugar cercano a la ciudad de Barranquilla, allí ofrece el servicio de corte de cabello, peinado, alisado y a sus clientes también ofrece productos de belleza, mediante su asesoría. Cada vez más su clientela crece y ella necesita tenerlos bien atendidos, para que se sientan confortables, mientras reciben el mejoramiento estético.
Cuando inició su negocio, lo hizo para lograr independencia económica, pues no le ha gustado nunca depender de nadie. Por eso viendo a otras personas como realizaban esta actividad y practicándola, logró captar su experiencia, de manera empírica, pues nunca ha hecho cursos técnicos. Sus primeros pasos los realizaron a domicilio, haciendo su oferta a sus allegados y poco a poco con mucho esfuerzo, logró hace dos años, concentrarse en un local muy cerca de su domicilio y agregar a proveedores de sus productos de consumo y también para venderlos, una vez diagnostica que clase de productos requiere cada uno de sus compradores. En la actualidad está aplicando a un credikiva, mediante el cual comprará productos de belleza, como shampoo, acondicionadores, tintes, masajes etc. Y también comprará 2 sillas de peluquería, 6 sillas plásticas y un equipo de manicurista. Con ello logrará su propósito de ambiente confortable, que se hace mucho más necesario para el mes de diciembre, temporada en la cual se incrementa aún más la clientela de su negocio, lo que significa su razón de éxito.

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.

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About Colombia

  • $11,100
    Average annual income
  • 514
    View loans »
    Colombia Loans Fundraising
  • $14,939,400
    Funds lent in using Kiva
  • 1,934.5
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,575 helped Carmen Elena to buy supplies.
91% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 29, 2013
Listed
Nov 20, 2013
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2015