A loan of $625 helped to buy stationery, Valentine and friendship cards, sandals, accessories, and other products that have high turnover.


Elisa's story

Elsa is 48 years old and lives in the city of Cartagena de Indias. She has a 22-year-old son. Elsa manages her own variety store where she sells women’s accessories, household goods, cosmetics, colognes, clothing and other merchandise. Her business is located in a section of the living room of her house. Elsa started this business so that she could generate household income, but it quickly became her mission in life. She is excited about growing in her work and offering good service. Elsa sells her products for cash, but she also extends credit. Even though the value of her fixed assets has not increased, her business generates good profitability from her sales and a high product turnover. Her customer base has increased because the celebration of love and friendship (the Colombian equivalent of Valentine’s Day) is in progress. During this time, her sales rebound throughout the entire month and she acquires new customers.


For this reason, she is applying for a Kiva loan. Elsa will use the money to buy merchandise for her outstanding orders such as stationery, Valentine and friendship cards, sandals, accessories, and other products that have high turnover. When she started her business, Elsa only sold candy from a small space. She then received a request from a customer who wanted to buy an iron, so she gradually began offering other merchandise to neighbors, housewives, relatives, and friends. Her customers have even referred new buyers to her. As a result of disciplined work, Elsa used her earnings to buy display cabinets and order more goods to achieve the wide variety that she offers today. Every day she strives to achieve her many dreams.

Translator profile picture

Translated from Spanish by Kiva volunteer Ronan Reodica



Loan details


Lenders and lending teams



Loan details