A loan of $475 helped to buy perfumes, cosmetics and accessories for sale, and to obtain more capital for cellphone top-ups and the sale of cellphone minutes.


Jesica Loraine's story

Jesica is a young, single woman aged 23. For two years she has sold cosmetics, accessories, perfumes, general items, cellphone minutes and cellphone top-ups. She plans to use her first Kiva loan to buy these wholesale items and sell them, and to obtain capital for her top-up and cellphone minutes business. She is sure that her investment will be a success, as she has a large number of customers and her premises are strategically located in the Siete de Abril neighborhood, which is frequented by many people. Jesica finished high school at 18 years of age, and immediately began her technical studies into warehouse and general store management. She thought she would get a job quickly, but sadly this was not the case. When her parents saw that she wanted to work and earn money, they gave her an initial capital of $300,000.00 COP so she could set up her own business selling goods and cellphone minutes. She sells her goods on credit, organizing installment payments every two weeks. Cellphone minutes and top-ups are paid in cash, and her profitability comes from the sales volumes she achieves. Jesica has the collaboration of her family in running the business, and they have always encouraged her to get ahead. She dreams of having her own home, getting married and starting a family, and having a car which will allow her to work in other areas.

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Translated from Spanish by Kiva volunteer Paul Lambert



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