A loan of $600 helped to buy costume jewelry, variety items, women’s clothes, and perfume.


Lorena Maria's story

Lorena, age 26, lives in a municipality in the Bolívar department. That is where she tends her small business selling school supplies and general stationery items. She has eight years of experience in this business activity. She worked in a stationery store, and five years ago she converted her knowledge of the market into her own entrepreneurial adventure. It is located at her house. Her sales are strictly for cash. However, sometimes she takes credit. She works from 6:00 a.m. until 8:30 p.m. on Monday through Sunday. Her painstaking effort is due to wanting to reach her goal of capitalizing her small business through savings. She wants to do this in order to be able to prosper more each day. Lorena travels to the city of Barranquilla where she buys merchandise to stock her business. She does this to impact her customers, who are primarily young people between the ages of 12 and 25. She sometimes sells to mothers. She is currently applying for a Kiva loan, which is her first loan with the Fundación Mario Santo Domingo. She will use the loan to buy costume jewelry, variety items, women’s clothes, and perfume. She wants to add these items to what she sells, keeping in mind that there are a lot of people who request these items. In turn, they are potential customers, and she has a good commercial place for her sales. Her goal for further on is to add communication technology services. She wants to do this so that everyone in her town is able to access the networks, be up to date, and do their jobs, etc. Her Kiva loan will be successful because her investment is based on the market demand and the purchasing capacity from purchasing in cash. This will allow her access to good offers from her providers, who also need to sell for cash.

Translated from Spanish by Kiva volunteer Ginny Kalish



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