A loan of $325 helped to buy boxes of beer on a wholesale level..


Delma's story

Delma is a 21 year-old young person that lives in the Bonanza neighborhood in Soledad City with her partner and their two year-old son. She has a business selling soda and cold drinks on the weekends and holidays. This business generates income, which she uses to support their home. Delma has another business, which she does on her free days. She sells various types of merchandise from specialized catalogues. She began her business selling soda and cold drinks when her husband purchased a small refrigerator. Gradually she increase her sales and the business generated income which she used to purchase a refrigerator that can hold more bottles in order to respond to the increasing customer demand and generate more income. Since Delma is an active woman, she began another business. She sells various types of merchandise. She developed this business from the catalogue business she started previously. She sells cosmetics, clothes, accessories and shoes on credit (with payments customized to her customers needs). Delma conducts this business on a 23 percent profit margin, which she would like to increase. This is why she is requesting her first loan from the Mario Santo Domingo Foundation. She will use this loan to buy a large quantity of boxes of beer on a wholesale level. She has a goal of selling these to small businesses. When the small businesses don’t have beer in stock they cannot meet their customer’s requests. Delma knows that this is a good segment of the market as a large number of small business owners can only buy small quantities as they usually have only have a little working capital.

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Translated from Spanish by Kiva volunteer Esther Levandoski



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