A loan of $450 helped to buy fruit and vegetables wholesale.

Eliana's story

Eliana, age 37, has four children from the ages of 9 to 15. She works persistently in her own business in the heart of Barranquilla. She sells very fresh tropical fruits and vegetables in large volume. She sells things like tomatoes, onions, carrots, cucumbers, beets, potatoes, 'lulo' (a native fruit), melon, passion fruit, and everything that is produced in the harvest of each season.

Because of this she wins over a lot more customers every day. Also, she has managed to have two points of sales. Her husband tends to one of them. With these businesses they have both managed to generate income to support her household and especially to pay for her children’s education.

Her goal for later on is to have her own house. Her family currently lives with her maternal grandmother. Her greatest dream is to have a house. She works carefully every day, and that makes it very evident that everything she earns is invested in generating income. Lately she has been selling cheese and whey, taking advantage of her three years as a merchant. She knows a lot about the public market where she is. That is why she gives credit to people she knows so that they can buy these dairy products to later sell or use for their family’s consumption.

With this last business she generates additional income, which increases her family’s well-being every day. However, she has insufficient working capital to meet her customers’ demand for fruit, vegetables, cheese, and whey.

That is the reason why she turns to a Kiva loan, her first loan with the Fundación Mario Santo Domingo. She will use the loan to buy wholesale fruits and vegetables. This will increase her working capital, and there will be enough profits produced by her Kiva loan to invest in cheese and whey. This promises to be successful because she does it within the framework of the market demand. She knows her customers’ needs very well . She generates a profitability of no less than 29% and a contribution margin of 57%.

Translated from Spanish by Kiva volunteer Ginny Kalish

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