A loan of $700 helped to purchase clothing, "diabolines", oil, flour, and cheese.


Ruby's story

Ruby del Carmen O. lives in the town of Soledad, which is located in the Department of Atlántico and the home of the most delicious handmade sausages in Colombia. Ruby is a very energetic and hardworking woman. She sells a little bit of everything. Ruby can be found making fried foods such as arepas, empandas, carimañolas, hayacas, and often at the same time so that she can sell them in the Department of Sucre in Colombia. With her traveling papers in hand, she also brings with her merchandise such as clothing, sandals, silver jewelry, and other accessories to sell while she is there. When she returns home, she brings back with her boxes of cheese, avocados, and even “diabolines” (delicious toasted cheese snacks that are made in Sucre and sold in the city of Soledad). All of this activity in her life is a result of managing a store for twelve years. She became accustomed to performing a great deal of work each day and now she cannot quit. After her store closed down, she began selling soups from the doorstep of her house. She also started bringing various types of merchandise to Corozal in the Department of Sucre to take advantage of the market owned by her relatives who live there. Upon her return home, she brought back “diabolines”, cheese, and avocados to sell. These businesses generated good results and she continues to manage them.


Ruby has participated in the programs of Fundación Mario Santo Domingo for one year. Her previous loan replaced other expensive loans, one with a monthly interest rate of 10%. This new loan had a lower rate and more favorable terms. At the moment, she is requesting her second loan from the organization in order to buy clothing, flour, cheese, “diabolines”, and oil. Her dream now is to have a house of her own and see her son finish his law degree, which would give her a sense of accomplishment.


Ruby is a courageous woman who lives with her husband and two children, ages 24 and 25. She says that her everyday life is a huge challenge, but it does not prevent her from hoping that everything will magically happen.

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Translated from Spanish by Kiva volunteer Ronan Reodica



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