A loan of $1,100 helped to buy clothing as well as toiletries from catalogues.

Zenaida's story

Zenaida, 65, lives in the city of Barranquilla where she makes a living selling footwear, clothing, perfume, small appliances, and general merchandise. She distributes on credit to her clientele, which she has built little by little. She's separated and the mother of three children who are adults and whom she still hopes to see successful and full of opportunity.

She started her business to pay for the household expenses during a time when her husband contributed the greater part of his income and she needed to improve the family well-being. Her first entrepreneurial business was supported by a friend who contributed the working capital for her to begin. Little by little Zenaida has been strengthening her business with a lot of discipline and work.

Her customers are neighbors and referrals, and her providers are mainly department store chains that specialize in each product and multinational companies who sell to her through specialized catalogues. She remains alert for opportunities to find good prices that will benefit her customers, with the goal of cultivating their loyalty and getting them to pay her punctually.

Currently she's applying for a Kiva loan, her second loan request from Fundación Mario Santo Domingo. She'll buy clothing, underwear, and toiletries that come with special catalogue promotions that she passes on to her customers. This strategy is precisely what's responsible for the success of her investment, because they respond to her special attention.

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Translated from Spanish by Kiva volunteer Catharine Wall

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