A loan of $575 helped to purchase a voice operator package for her call center, as well as clothing and footwear for her merchandise business.


Esperanza's story

Esperanza is 52 years old, and is the mother of two children, ages 22 and 27. She lives in the southwest district of her city where, over two years ago, she started her own business selling a wide variety of merchandise to bus drivers, who make up her customer base. Little by little, she expanded her business and grew, since she offers good prices and excellent customer service. Around the same time, she also started selling cell phone credit and minutes. Originally, she only had one voice and cell plan, but she now operates a call center and sells minutes and credit on 6 different plans from a station underneath an umbrella that she has set up on a popular pedestrian route. She is able to supplement her income with this other business, as it is very well known. In her merchandise sales business, she has the ability to offer her customers sales on credit, and collects accounts receivable weekly, every two weeks, or monthly. In order to make merchandise purchases to restock her business, Esperanza has to wait to collect payments from her clients. This presents her with a significant challenge, since her customer base is growing, but her working capital is insufficient to cover customer demands. This is her first loan with the Mario Santo Domingo Foundation and with Kiva, and she plans to use the support from the loan to purchase a voice operator package for her call center, as well as clothing and footwear to stock her merchandise business.

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Translated from Spanish by Kiva volunteer Gillian Goodrich



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