A loan of $625 helped to buy disposable and miscellaneous products in bulk.


Maricela's story

Marciela is 29 years old, she is married, and she is the mother of two children that are 4 and 9 years old. She sells miscellaneous items from her home, where her neighbors and people from nearby neighborhoods come to find items for their households, such as stationary, household goods, disposable products, items for basic needs, etc.

She began this business 4 years ago next door to her home and she earned a sufficient income to support her household. In time, her customers increased and the growing demand became her biggest challenge. She needed capital in order to support the needs of all her customers. This is why she contacted credikiva. This will be her first financing through Fundación Mario Santo Domingo. She seeks the loan so that she can buy a larger volume than she normally buys (of disposable and miscellaneous products), so that she has sufficient supply of the items that sell quickly. This will also lower her costs of constantly buying the products that she sells, as she will get a volume discount for buying in bulk.

Her goal is to support her growing business and to become the biggest supplier in her sector. To meet this goal, she will manage a turnover of accounts receivable of less than 36% with an inventory turnover of 54 days. Her financial advisors indicate that this is appropriate for her type of business and from her projected business growth.

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Translated from Spanish by Kiva volunteer Andrea Connelly



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