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Diva Ester
Diva Esther P. is 67 years old and she lives in the community of "Los Caracoles" in the city of Cartagena where she has a general store, selling cosmetics, household items of well-known brands and clothing in general. It is through this business that she has been able to support her family. She is a widow and the mother of 4 children, aged between 30 to 45 years of age. She started out working as an employee of a family and later she became independent, selling products from door to door. She was encouraged by a friend and this is how she earned her own client base and today they look to buy her products at her house. She completes her sales on credit and in cash, giving good prices.

This is her first loan through Fundacion Mario Santo Domingo (Kiva Field Partner) and with it she will purchase various merchandise, including cosmetics and ladies' clothing taking advantage of the season when the sales are high for the Mother's Day celebrations. For this day her clients wish to honor all of the women of their families who are mothers with a kind of gift that ony Diva knows how to chose and offer for sale. Her dream is to have enough capital funds to reinvest rapidly and to generate more income with the increase her sales. But in the meantime she endeavors to maintain her business independently at 73.25% and a profit margin of no less than 35%. She also works to respond to her clients with responsibility and with quality products.
View original language description ↓
Diva Esther P. tiene 67 años y vive en el barrio "Los Caracoles" de la ciudad de Cartagena, donde se dedica a la venta de mercancías variada, como cosméticos, electrodomésticos de marcas reconocidas y ropa en general, actividad con la que ha logrado sacar a su familia adelante gracias a su trabajo, pues es una mujer viuda y madre de 4 hijos, hoy en las edades de 30 a 45 años. Inicialmente trabajó de empleada de una familia y luego lo hizo independientemente vendiendo productos puerta a puerta, impulsada por una amiga, de esta manera construyó su propia clientela y hoy la buscan en su casa para comprarle productos, pues ofrece crédito y contado a buenos precios.
Este es su primer financiamiento con la Fundación Mario Santo Domingo y con él comprará mercancías variadas, como cosméticos, ropa para damas, aprovechando la temporada de incremento de sus ventas con motivo de la celebración del día de las madres, fecha en la cual sus clientes quieren homenajear a todas las mujeres de las familias que son madres, mediante el obsequio de detalles que solo Diva sabe escoger y venderles. Su sueño es tener un capital suficiente para rotarlo rápidamente y ganar más dinero con el incremento de sus ventas, pero mientras esto ocurre, ella se esmera en sostener su negocio con una autonomia del 73,25%, una rentabilidad no menor de 35% y responderle a su clientela con responsabilidad y calidad en la venta de sus productos.

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
  • 239
    View loans »
    Colombia Loans Fundraising
  • $16,895,775
    Funds lent in using Kiva
  • 1,798.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Diva Ester to purchase a variety of merchandise such as cosmetics and ladies' clothing.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Apr 20, 2011
Apr 24, 2011
Currency Exchange Loss:
Dec 15, 2012