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Joselin
Joselin is a 41-year-old woman who lives with her spouse and their 2 children in the municipality of Soledad, very close to the city of Baranquilla. There, she has worked for the past 2 years selling cold meat, a business that she began in the month of November in 2012 when, motivated to help her husband in supporting the well-being of their household, she took advantage of her mother's trips to a neighboring country that she would bring various merchandise to Colombia such as shoes, sheets, sandals, etc. Later, with a set customer base, she began to sell sausages, bologna, small sausages, homemade chorizo, etc. She currently makes her sales on credit, working from 8 in the morning to 1 in the afternoon, through the credit system, and her customers pay her every two weeks. Joselin purchases directly from the food producers and sells to workers, neighbors, friends, family members, and people who have been referred to her, since they know the quality of her products. At the moment, she is applying for a Kiva loan, the first loan that she has taken from Fundación Mario Santo Domingo, with which she will purchase cold meat, desserts, and a variety of merchandise, at a larger volume than she usually does. With all of this, Joselin will use the capital to improve her business and, in the future, undertake her business in a retail space, always supporting the quality education of her children, who are now 17 and 18 years old.
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Joselin es una mujer de 41 años de edad que habita con su cónyuge y sus 2 hijos en el municipio de Soledad, muy cerca a la ciudad de Braranquilla. Allí se dedica dede hace 2 años a la venta de carnes frías, negocio que inició en el mes de Noviembre del año 2012, cuando impulsada por apoyar a su esposo en la gestión de bienestar de su hogar, aprovechó los viajes de su madre a un vecino país, para que esta trajera a Colombia mercancia variada como calzado, sábanas, sandalias etc, Posteriormente con la clientela organizada inició su venta de salchichas, mortadela, butifarras, chorizos caseros etc. Hoy sus ventas las realiza a crédito, trabajando desde las 8 de la mañana hasta la 1 de la tarde, mediante el sistema de crédito, y sus clientes le pagan quincenalmente. Joselin, compra directamente a los productores de alimentos y vende a aempleados, vecinos, amigos, familiares y referídos, que ya conocen la calidad de sus productos. En la actualidad está aplicando a un creidkiva, primer finaciamiento que hace a la Fundación Mario Santo Domingo, mediante el cual comprará carnes frias, postres y mercancia variada, en un mayor volumen que el acosumbrado, con todo esto Joselin hará rendir su capital para mejorar su negocio y en el futuro emprender su actividad en un local, apoyando cada vez mas los estudios de calidad para sus hijos, que se necuentran en las edades de 17 y 18 años.

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
  • 543
    View loans »
    Colombia Loans Fundraising
  • $14,698,025
    Funds lent in using Kiva
  • 1,887.8
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $800 helped Joselin to purchase cold meats, desserts, and a variety of merchandise.
61% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 31, 2014
Listed
Aug 15, 2014
Currency Exchange Loss:
Possible