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Tereza
Tereza, age 58, works making clothing in her home which is located south of the city, where she lives with her husband and her two grown children.

Her experience dates back 40 years, when she learned sewing from her mother without formal training, developing her aptitude and potential for mastery of this work. Her mother enrolled her in technical courses and she also enrolled her friends, so that they would learn together and become excited about this occupation. She worked with other seamstresses at age 23, and a short time later she became independent, starting out with her sewing machine, “Negrita ZZ”. Her husband helped her, supporting her enterprise by referring associates, neighbors, relatives, etc. to her.

Nowadays she assembles articles of clothing for various firms, and she also makes women’s shirts and dresses that are made to measure for each client, on her own. In her business she carries out all the activities involved in sewing--from the designing, cutting, preparation and assembling, to the finishing of the pieces--with the exception of the contract work that she does for the companies that send her cut pieces to assemble.

Currently she sells on a cash basis, and she works steadily from 6 in the morning until 10 at night; and depending on the contracts that she has for assembling, she extends her work week from Monday to Sunday. Her goal is to continue expanding her business and her intention is that her children will be able to take charge of the small dressmaking business. However, her biggest challenge is having sufficient working capital, so that she can achieve her dreams of prosperity soon.

She is requesting a CrediKiva loan, her first financing with the Fundación Mario Santo Domingo, with which she will purchase two new commercial machines, in order to increase her competitiveness and win more contracts that will add to her income. Thus, her clientele will be satisfied, as the quality of her products will improve with her excellent work, and her Kiva loan will be her means of achieving success.
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Tereza de 58 años de edad, se dedica a la fabricación de prendas de vestir en su hogar ubicado al sur de la ciudad, donde habita con su conyuge y sus 2 hijos mayores de edad. Su experiencia data de hace 40 años, cuando aprendió con su madre el oficio de confeccionar de manera informal, aprovechando su aptitud y potencial de perfeccionamiento en esta tarea. Su madre la incluyó en cursos técnicos y también a sus amigas, para que juntas aprendieran y se entusiasmaran en este oficio. Fue a sus 23 años cuando trabajó para otras costureras y poco tiempo después se independizó, iniciando con su máquina “Negrita ZZ” ayudada por su cónyuge quien le refirió compañeros, vecinos familiares etc, para fortalecer la acción emprendedora. Hoy se dedica a maquilar productos de confecciones para diferentes empresas y también fabrica camisas, vestidos de mujer, etc por su propia cuenta, sobre las medidas de cada cliente. En su negocio se realizan a nivel general, todas las operaciones de la confección, desde el diseño, corte, preparación, ensamble y acabado de piezas, a excepción de cuando maquila, que las empresas de cada contrato, envían las piezas cortadas para su armado. En la actualidad vende de contado y trabaja sin cesar, desde las 6 de la mañana hasta las 10 de la noche y de acuerdo a los contratos de maquila, así mismo extiende su jornada laboral, de lunes a domingos. Su meta es continuar ampliando su negocio, y su propósito es que sus hijos logren encargarse de la microempresa de confección, pero su mayor desafío es tener el suficiente capital de trabajo, para lograr que muy pronto se realicen sus sueños de prosperidad. En la actualidad está aplicando a un credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará 2 nuevas máquinas industriales, para aumentar su competitividad y adquirir muchos más contratos, que aumenten sus ingresos. Con ello su clientela se sentirá satisfecha pues la calidad de sus productos mejorará con su excelente trabajo y este será también el éxito de su crédito mediante Kiva.

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.

Tags

About Colombia

  • $6,070
    Average annual income
  • 137
    View loans »
    Colombia Loans Fundraising
  • $12,802,650
    Funds lent in using Kiva
  • 1,928.6
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,825 helped Tereza to purchase two new commercial machines.
27% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 28, 2014
Listed
Apr 19, 2014
Currency Exchange Loss:
Possible