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Marlene
Marlene lives by the ocean. She is 54 years old, married, and the mother of a 24-year-old son. She sells clothing, shoes, accessories and in general whatever merchandise her customers ask for. She tries to provide a varied inventory, so that her customers can choose what they like. When she started this business 8 years ago her husband provided the seed capital to invest in products to distribute amongst a customer base of family, neighbors and friends. This customer base has grown, due to her good treatment and because of references from existing buyers. Her main product lines are pants for women, men and children, shirts, sweaters, shoes, perfume, etc. She sells on credit and for cash, and works 12 hours a day without a break. She prefers to buy from wholesale warehouses in the commercial zone of the city. Marlene's principal goals are to restructure her business, to open a store, to ensure the loyalty of her customers, and to save money, so as to enjoy the fruits of her labors. She is applying for her first Kiva loan now through the Fundacion Mario Santo Domingo, which she will use to buy pants, jeans, shirts and perfumes. She needs to take advantage of the biggest commercial season of the year, in order to earn a bit more by working hard and to finally achieve her dreams of prosperity.
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En un lugar ubicado a orillas del mar habita Marlene, mujer de 54 años, casada y madre de un joven de 24 años de edad. Ella es comerciante de ropa, calzado, accesorios y en general la mercancía que su clientela demande y solicite, para ella responder con un inventario diverso, dándole la opción al cliente, de escoger lo que le gusta y a la medida. Cuando inició este negocio, hace 8 años, su esposo le dio el primer capital semilla para invertir y distribuir entre una clientela doméstica, a familiares, vecinos y amigos, clientela que ha ido creciendo, debido a su buen trato y porque es muy referida por sus actuales compradores; sus principales líneas de productos, son los pantalones para damas caballeros y niños, camisas, suéteres, calzado, perfumería etc. Los cuales vende a crédito y de contado, trabajando durante 12 horas diarias sin cesar. Sus preferencias de compra, son en los almacenes mayoristas ubicados en la zona comercial de la ciudad. Marlene tiene como metas principales, remodelar su negocio, abrir un local al público, fidelizar completamente a su clientela y ahorrar, para disfrutar sus utilidades. En la actualidad está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante la cual comprará pantalones, jeans, camisas, perfumes, pues requiere aprovechar la temporada mas comercial del año, para ganar un poco mas trabajando fuertemente y finalmente cumplir sus sueños de prosperidad. .

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

  • $6,070
    Average annual income
  • 163
    View loans »
    Colombia Loans Fundraising
  • $13,225,875
    Funds lent in using Kiva
  • 1,924.9
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $625 helped Marlene to buy pants, jeans, shorts and perfume.
97% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 6, 2013
Listed
Dec 28, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 17, 2014