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Luz Stella
Four years ago, Luz Stella started her own business. She had been working in a company but wanted to generate her own independent income. Through a friend, she started selling products through specialized catalogs. Today she is in motion and offers her loyal clientele perfume, cosmetics, hair care, beauty products, underwear and household items.

Her sales are in cash and credit. Money gets repaid every 20 days, working on a schedule of 2-6 pm, and buying from suppliers on credit. Luz Stella is a sales woman who has many goals including undertaking a cafe generating even more revenue.

Currently, she has applied for a Kiva loan, primary financing from the Mario Santo Domingo Foundation. With this, she will buy cosmetics and several goods that have been displayed in the catalogs, with special prices and thus she will impress her customers.
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Desde hace 4 años Luz Stella inició su negocio; trabajaba en una empresa y queria independizarse para generar ingresos autonomos, por eso logró a través de una amiga vender productos mediante guias especializadas. Hoy no se detiene y ofrece a una clientela fija, perfumería, cosméticos tratamientos capilares, ropa interior productos de belleza y articulos para el hogar. Sus ventas las realiza de contado y a crédito, dinero que recupera cada 20 dias trabajando en un horario de 2 a 6 de la tarde y comprando a sus proveedores a crédito. SLuz Stella es una mujer muy comerciante que tiene muchas metas entre ellas la de emprender una cafetería que genera aun mas ingresos . En la actualidad está aplicando a un credikiva, primer finacimeitno que hace a la Fundación mrio Santo Domingo mediante la cual comprará cosméticos y mercancias varias que han sido exhibidas en sus catalogos, con precios especiales y con ello quiere sorprender a su clientela.

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

  • $11,100
    Average annual income
  • 487
    View loans »
    Colombia Loans Fundraising
  • $15,254,800
    Funds lent in using Kiva
  • 1,868.7
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,125 helped Luz Stella to buy cosmetics and various merchandise.
88% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 30, 2014
Listed
Jul 27, 2014
Currency Exchange Loss:
Possible
Ended:
Apr 18, 2015