A loan of $425 helped to buy perfumes and cosmetics, taking advantage of the fact that her customers buy more of these products during the December season.


Bernilda Rosa's story

Bernilda J. is 65 years old. She sells cosmetics, perfumes and costume jewelry. She is married and has one child. In her neighborhood of Educador, in the city of Cartagena and the surrounding areas, everybody knows her because she has a small general store in her home and she distributes merchandise. She usually sells cosmetics, perfumes and costume jewelry for a very good price and she does this with a lot of happiness and energy. This is Bernilda's second loan from Fundación Mario Santo Domingo and she will use it to buy perfumes and cosmetics, taking advantage of the fact that her customers buy more of these products in the December season because this is when she knows that her customers receive bonuses and money with which they can buy everything that they need in a year but can't obtain. Bernilda has been a businesswoman for 15 years. Initially she maD. and sold lunches to a construction company from her home but she gradually started to change her business activity due to the fluctuations in the market and the very frequent periods of low sales. However, she changed direction, taking advantage of the fact that she had attracted a substantial domestic customer base and started exclusively selling costume jewelry, cosmetics and perfumes in her local district and surrounding areas which is where she distributes her products on credit. She sells for cash and also plans payment systems for individual customers. Usually this is with customers who she has got to know and who she knows are very good at paying in installments. Bernilda hasn't only received loans from Fundación Mario Santo Domingo but also training in how to run her business. For this reason, she knows very well how to manage her income. Her dream is to expand her business. She does not neglect her business because she knows that with constant hard work and discipline, you can achieve anything. Although she doesn't have much working capital, she will soon become successful which is what she wishes for.

Translated from Spanish by Kiva volunteer Linda Oxnard



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