A loan of $600 helped to buy shoes, clothing, underwear and other items to sell.

Shirly Cecilia's story

Shirly, 32, lives with her husband and two daughters, ages three and 16, in the town of San Juan Nepomuceno in the department of Bolívar. She works selling shoes, sheets, towels, clothing and underwear, among other items. Several years ago she started out selling sandals to her closest friends. Then she began selling underwear and, little by little, her customers increased their demand to the point that now she sells a variety of articles.

She sells her goods mainly on a credit basis, so this first Kiva loan through the entity is to have enough work capital to buy the merchandise when she needs to and to keep an inventory. She knows what her customers like and her idea is to purchase goods with them in mind, giving her the confidence to know her investment will be successful. Shirly has many goals and is sure she will meet them through hard work. One of them is to have her own shop where she can display her merchandise and reach a profitability margin greater than 30%, which is what she has now. She also wants to continue providing her daughters with an education so they can become professionals and have their own houses. She considers herself to be an active, hard-working person who is happy doing what she does, since she her income helps cover household expenses and contributes to family economic growth.

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Translated from Spanish by Kiva volunteer Sherry Bess

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