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Yamile Del Carmen
Yamile is a widowed woman of 42 years who lives in the city of Cartagena with her three children who are from ten to 17 years of age. There she has a business where she sells lubricants and spare parts for vehicles, an inheritance from her deceased husband which in 2006 she was forced to take over once he was no longer around. She got her experience from him, since he had embarked on his independent business venture upon retiring from a business where he worked as an employee, dedicating himself to the business, supported by Yamile, by which today the family is supported.

With diligence and sacrifice Yamile has forged on ahead after remaining alone with her children. She has succeeded in making her business grow and today needs to infuse it with more working capital, as her customer base has grown and she, the business's reason for being, must respond in good time. This is her motive for turning to Kiva for a loan, her first financing with the Fundación Mario Santo Domingo, with which she will buy spare parts for vehicles, the ones which most often fail, and because she has many special orders from her customers.

Her dream is that her children would be able to go to school, and that the eldest may be a mechanical engineer as he dreams of being. They are her engine that keeps her focusing her efforts day by day on successfully resolving the challenges she must face.
View original language description ↓
Yamile es una mujer viuda de 42 años que vive en la ciudad de Cartagena con sus 3 hijos, en las edades de 10 a 17 años. Allí tiene un negocio donde vende lubricantes y repuestos para vehículos, legado que dejaría su esposo fallecido y que desde el año 2006, debió asumir cuando este faltó. Su experiencia la había aprendido de él, pues había emprendido su aventura de negocio independiente, al retirarse de una empresa donde trabajó como empleado, dedicándose al negocio, apoyado por Yamile, con el cual hoy se sostiene su familia. Con el esfuerzo y el sacrificio de Yamile por salir adelante, después de quedar sola con sus hijos, ha logrado que su negocio crezca y hoy necesita inyectarle más capital de trabajo, pues su clientela ha crecido y a ella, razón de ser del negocio, debe responderle oportunamente. Esta es el motivo por la cual acude a su credikiva, primer financiamiento que hace a la Fundación Mario Santo Domingo, con el cual comprará repuestos para vehículos que son los que más rotan y porque tiene muchos pedidos por parte de su clientela. Su sueño es lograr que sus hijos estudien y que el mayor de estos, pueda ser un ingeniero mecánico tal como él lo sueña. Ellos son su motor para continuar dirigiendo sus esfuerzos al logro de resolver los desafíos que tiene que afrontar día a día.

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
  • 305
    View loans »
    Colombia Loans Fundraising
  • $18,296,125
    Funds lent in using Kiva
  • 1,774.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Yamile Del Carmen to purchase standard and special-order parts for vehicles.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 9, 2011
Sep 4, 2011
Currency Exchange Loss:
Nov 15, 2012