A loan of $1,800 helped to buy footwear, clothing, toys, and gifts for special occasions.


Selmira's story

Selmira, 31, lives with her spouse and her four-year-old daughter, whom she dreams of becoming a successful professional. Selmira has a variety store where she sells paper goods, candy, footwear, clothing, toys, and lingerie, and offers cell-phone service. Her business plan started in 2006 as a way to help her husband financially to cover the family expenses and not depend on him for her personal expenses. As the years went by the store grew, in sales and in customers. This is why her profits, infrastructure, and equipment of nine display cases are superior to when she began. Her customers are her neighbors, friends, family members, and passersby, to whom she sells in cash and on credit. She makes her purchases in cash in specialty stores in the downtown of the city. Although the competition is tough, she supports herself with good prices and credit adjusted to the needs and possibilities of her customers. Over a period of five years she has received four loans from Fundación Mario Santo Domingo. Her dream today is to have her own house, educate her daughter, and convert the variety store into a large department store that is better known in the city. Her greatest challenge is the liquidity to respond opportunely to customer demand. Currently she's applying for a Kiva loan to invest in buying, wholesale and in cash, products such as footwear, clothing, toys, and gifts for special occasions such as the Day of Love and Friendship, a season in which her sales pick up and she generates more income to benefit her household.

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Translated from Spanish by Kiva volunteer Catharine Wall



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