A loan of $1,125 helped to buy cosmetics, microwave ovens, blenders, and other items.


Melida Terersa's story

Mélida lives in the municipality of San Jacinto, department of Bolívar, with her husband (who is self-employed) and their three children, who are between the ages of 10 and 16. She dreams that her children will become successful people and they are the principal motivation for the work she does every day. She works as an artisan, which was passed down through her family. She has been doing this work for 15 years and her income is important because it helps support her household.

Mélida has two businesses. On one side, she sells crafts that she makes herself. On the other, she sells beauty products and general merchandise. Her goal in the future is to have a storefront where she can exhibit her crafts, and she thinks about developing it into a specialized store for artisan crafts.

Mélida is a woman who has learned how to observe what the market needs and what she can do to respond to it in order to increase her earnings. This is why she also sells beauty products and small home appliances on request, and she sells them on credit. Mélida is taking out her first loan with Fundación Mario Santo Domingo because she needs to increase her working capital in order to respond opportunely to her customers. She plans to use her "credikiva" to buy cosmetics, microwave ovens, blenders, and other items that she has orders for or that move quickly among her best customers. She will make her money back quickly and it will be a successful investment.

Mélida puts in great effort in order to achieve her dream. She consistently makes a profit of at least 37% and with this Kiva loan, she projects that future profits will increase.

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Translated from Spanish by Kiva volunteer Katie Kavanagh



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