A loan of $1,075 helped to buy aftershave, perfume, cosmetics, sports clothes and ladies' accessories.

Sara Esther's story

Mrs Sara González V. is an enterprising woman who has been selling merchandise through catalogs in Barranquilla for 12 years. She lives in a small apartment in the north of the city with her only son who is grown up and about to get married. Sara has managed to establish a good client base which has been growing over the years. She recently reached the category of 'leader' because of her sales volume and the number of new salespeople that she has introduced to the business. She gets a discount for the sales that the people she has recommended make.

Sara's average monthly sales total 1,200,000 pesos. Her average profit margin is 35% although it sometimes increases when she takes advantage of monthly promotions and buys larger quantities of articles with discounts that exceed 50%.

This is Sara's fourth loan with Fundación Mario Santo Domingo and her first Kiva loan. She plans to invest the money in buying aftershave, perfume, cosmetics, sports clothes and ladies' accessories. She has always stood out for her punctuality in making her repayments and her willingness to participate enthusiastically in all the events to which she is invited. As well as being a saleswoman, Sara is also a beauty stylist and she usually takes advantage of her customers' visits to offer them these services. With the end-of-year season approaching, her sales and orders have increased considerably. She dreams of opening a small store in which she can offer her products. She believes that next year she will be able to carry out this project.

Translated from Spanish by Kiva volunteer Linda Oxnard

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