A loan of $300 helped to buy cosmetics, fabric, and supplies to make children’s clothes. She will also buy cosmetics in order to respond to new customers.


Hilda Susana's story

Hilda, age 30, lives in the city of Cartagena with her husband and three children, who are between three and eight years old. She got her business experience eight years ago by selling various merchandise by order to friends and referred customers.

With her business activity she managed to get savings, and she took a sewing course. She later entered the world of fashion by organizing her workshop in the place where she lives. She offers individual sewing services according to the style, fashion, and size that her customers select. Among her main customers are her colleagues at the church she attends, neighbors, and referrals.

She also sells merchandise, especially cosmetics, which is the line that turns over the most in her business. She makes her sales on credit, and many times for cash. She collects her money weekly, biweekly, or monthly, according to the agreement with her customer.

She buys at warehouses specializing in fabrics and sewing supplies and from make-up providers from whom she gets competitive prices for being a good customer and for her cash purchases. To the extent that her business is growing she does not have enough working capital to respond to her customers in a timely fashion because she works very hard and has a lot of cosmetic orders.

Her goal is to extend herself in the market and to increase her working capital. To do this she turns to a Kiva loan, her first loan with the Fundación Mario Santo Domingo. She will use the loan to buy cosmetics, fabric, and supplies to make children’s clothes. She will also buy cosmetics in order to respond to new customers.

Hilda puts great effort into her work every day. She does this to make her business grow and to achieve her biggest dream, which is to have her own house.

Translated from Spanish by Kiva volunteer Ginny Kalish



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