A loan of $1,100 helped to supply her general store with pencils, pens, notebooks, overalls, blouses, bracelets, cologne, earrings, and perfumes.


Marta Luz's story

Martha Luz Z. Valencia is 39 years old and lives in the Villa del Carmen neighborhood, within the Soledad Municipality in the Atlantic Department with her husband and her 3 children, between ages 10 and 15. She has a general store that sells a little bit of everything, from pencils to accessories, perfumes and other items. It's a family business that started because she needed to make important contributions toward supporting her household and also to fulfill her community's needs. While her shop sells all sorts of products, the most useful items are the school and general stationary supplies; taking advantage of the fact that her business is next to a school.

This is her second credit with Fundación Mario Santo Domingo. Since her first credit, she has noticed an increase in sales and also a wider profit gap from being able to make her stock purchases in cash with her credit. It worked like a low cost work capital. Now, with her Kiva credit, she is going to stock her shop with pencils, pens, notebooks, overalls, blouses, bracelets, earrings, perfume and cologne.

Her dream is for her children to earn a University degree and for her business to be known not only in her neighborhood but in the entire area. As such, her greatest challenge is to make a name for her business in the sector, taking advantage of the fact that she lives in a neighborhood where the availability of inexpensive merchandise is in high demand and this is exactly what she is commercializing off of with her general store.

Translated from Spanish by Kiva volunteer Tracy Quan



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