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Belkis Candelaria
Belkis B. lives in the city of Barranquilla with her spouse and her three children ages 5, 10 and 16 years. From her home in the neighborhood of El Valle she works at her business selling soft drinks wholesale and selling beauty products through four catalogs with which Belkis is officially certified. These businesses started very small, she first started selling beer and soft drinks directly since she had a refrigerator. She now handles sales in wholesale volumes to stores and establishments who increase their orders every day. Since Belkis is a very restless woman she not only has this business but also sells beauty products - a business she started before she was certified to sell products by catalog. A friend of hers provided her the access to the merchandise so that Belkis could sell it and she was able to get many clients which is why she decided to link herself to a catalog and to obtain her own certification. She currently handles four catalogs. Her dream is to have a shop in a location separate from her home and with its profits to pay for university studies for her children, something that is slowly coming up. This is the first loan she has obtained from field partner Fundacion Mario Santo Domingo which she will use to buy soft drinks at wholesale and she will also take advantage of sales so that she can better bargain with her clients and increase her profits.
View original language description ↓
Belkis B. vive en la ciudad de Barranquilla con su cónyuge y sus tres hijos en las edades de 5, 10 y 16 años; desde su casa en el barrio El Valle, desarrolla el negocio de vender refrescos al por mayor y comercializar productos de belleza a través de cuatro catálogos, donde Belkis está codificada oficialmente; estas actividades iniciaron muy pequeñas, primero vendía cervezas y gaseosas directamente y contaba con un enfriador, ahora maneja ventas por mayor volumen en tiendas y establecimientos que cada día incrementan sus pedidos; como Belkis es una mujer muy inquieta, no solo se dedica a este negocio, sino que también vende productos de belleza, actividad que inició cuando aun no estaba codificada como vendedora de productos mediante guías especializadas, pero una amiga le facilitaba el acceso a esta mercancía para que Belkis vendiera; asì logró conseguir muchos clientes, razón por la que decidió vincularse a revistas y obtener su propio código, por eso en la actualidad maneja 4 guías de promoción. Su sueño es tener un local en un sitio diferente a su residencia y con sus utilidades pagar la universidad de sus hijos, época que poco a poco se acerca . Su credikiva es el primer credito que recibe de la Fundación Mario Santo Domingo, con el comprará refrescos al pormayor y aprovechará ofertas de productos para lograr mejores negociaciones con sus clientes y tambien aumentar sus utilidades.

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.

About Colombia

  • $11,100
    Average annual income
  • 227
    View loans »
    Colombia Loans Fundraising
  • $16,925,975
    Funds lent in using Kiva
  • 1,872.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Belkis Candelaria to buy soft drinks wholesale and discounted cosmetics.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 18, 2011
Mar 23, 2011
Currency Exchange Loss:
Mar 15, 2012