A loan of $1,200 helped to buy whey starter wholesale and in cash.


Julio Cesar's story

Forty-year-old Julio is a married man and the father of two children who are nine and eleven years old. He lives in the southern part of the city and he makes and sells whey and whey cream for a living, which he sells wholesale and retail. The raw material for his work comes from the department of Magdalena. This is the mixture he liquefies, mixes, and bottles in one-liter plastic containers for the whey and one-pound plastic containers for the whey cream. His main customers are his neighbors, friends, and middlemen, such as stores, street vendors, and bakeries, who come by daily to make their wholesale and retail purchases with money in hand, as the vast majority of his customers do. His greatest strength is his ability to maintain prices that are affordable for his buyers and the quality of his products. He works in his business with his sister-in-law, who is his partner, and they both have many dreams of growing their business. He is currently applying for a Kiva loan, which will be his first financing with Fundación Mario Santo Domingo. He will use it to buy whey starter to increase production and sales of his two star products, whey and whey cream. His goal is to have higher sales on credit and to sell in greater quantities to increase his clientele and, with that, to increase his business's profits, which help him improve his family's well-being.

Translated from Spanish by Kiva volunteer Alyson Trowbridge



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