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In January 2013, a friend advised Luz to begin selling a variety of merchandise in order to generate income to benefit her household. She began to do this, and since then she has not stopped. She sells pants, jeans, blouses, shirts, footwear and handheld fans on credit directly to final consumers. Among her customers are friends and others whom they have referred to her.

In order to offer competitive prices, Luz makes her purchases from warehouses and distributors in the city. She works from 8 in the morning until 8 at night. Her goals are to open a permanent location, to solidify her customer base, and to put money in the bank. The latter two items are her main challenges.

She is currently seeking a Kiva loan, which is her first loan through Fundación Mario Santo Domingo. She will use the proceeds in order to purchase pants, jeans, blouses, shirts, footwear and handheld fans. With this investment she will be able to increase her sales and her profits.
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Desde Enero del año 2013, una amiga de Luz le aconsejó comercializar mercancias variadas para ganar dineros generando así ingresos para beneficiar a su hogar. Eso mismo hizo y desde entonces no se ha detenido vendiendo Jeans, blusas, camisas, pantalones calzado, abanicos a crédito y de contado directamente a consumidores finales entre amigos y referidos por ellos . Para ofrecer un articulo competitivo, Luz compra en almacenes y distribuidores de la ciudad, para vender día a día trabajando desde las 8 de la mañana hasta las 8 de la noche. Su meta es abrir al público un punto comercial y fidelizar su clientela y ahorrar, estos dos últimos son sus principales desafíos. En la actualidad está aplicando aun credikiva, primer finaciamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará Jeans, blusas, camisas, pantalones calzado, abanicos. Con esta inversión su negocio mejorará porque incrementará sus ventas y sus utilidades .

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
  • 468
    View loans »
    Colombia Loans Fundraising
  • $15,266,825
    Funds lent in using Kiva
  • 1,886.1
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $575 helped Luz to purchase pants, jeans, blouses, shirts, footwear and handheld fans.
78% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 29, 2014
Aug 13, 2014
Currency Exchange Loss:
Aug 17, 2015