A loan of $850 helped purchase thread and natural fibers for making purses; ingredients for her food business; and a variety of merchandise for her retail business.


Ruby Emperatriz's story

Ruby Páez is a talented artisan from San Jacinto Bolívar who knows how to generate income by working at various activities from a young age. At first she opened a store, utilizing the experience she gained while working at a retail business. However, all of her customers requested credit, so she was not able to collect payments in a timely fashion as required by her business. She then decided to sell merchandise to customers who were employed and did very well. From there she also chose to pursue the activity she enjoys the most and comes to her naturally – making woven purses and hammocks. At the same time, Ruby started another business preparing lunches to go because she is a food expert. She continued to sell clothing and shoes as a necessity because she had established customers and later on added household goods to the inventory of products she offered.

This Kiva loan is the third time she has requested financing from Fundación Mario Santo Domingo. With her previous loans, Ruby was able to increase her earnings and pay for her children’s schooling because her greatest dream is to see them work tirelessly until they can finish university. Her children are very studious and also dream of becoming professionals. In addition, her loans helped her to acquire tools and equipment to retrofit her food business so that she could expand and diversify her product offering which she has already achieved. With this loan she plans to buy thread and natural fibers for making purses for which she has received orders. In addition, she will buy ingredients such as rice, oil, salt, and meat in large volume, as well as a variety of other merchandise.

Ruby’s biggest challenge is selecting customers who are responsible when purchasing on credit. Every day she is learning more and gradually controlling the amount of risk she takes by only selling to individuals who are working or have been recommended by her best customers. Another challenge she faces is paying for her children’s education by herself since she has separated from her husband. Thanks to God, her efforts have not been fruitless because her children are very aware of her hard work and are taking advantage of the opportunities she has created for them.

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Translated from Spanish by Kiva volunteer Ronan Reodica



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