A loan of $1,100 helped to buy hair products and cosmetics.


Leyla's story

Leyla, 47, lives in the city of Cartagena de Indias with her spouse and three children whose ages range from 5 to 21 years. She has a beauty shop there where she offers image enhancing services to all the surrounding families. Her business started when she took an evening barber course at the age of 16 while working days because the teacher hired her when she saw her enthusiasm and capacity for applying the skills she was learning. She gained vast experience this way and sometime later capitalized her business and has it to this day.

She started out buying her work tools with her own income and continued taking refresher beauty courses and gradually expanded her growth possibilities; she purchased furnishings to organize her sales point. Her drive for advancement led to her opening an academy and she taught courses. Later on she became still better-known and she got a job that required her to travel frequently so she changed her business for a good job. Five years after that, though, she returned to her original idea of having her own business. She’s done very well with this one and she simultaneously generates income by selling merchandise, especially those associated with beauty. She’s a beauty consultant and sells cosmetics and hair products at the same time and this is what her customers like best.

She’s currently applying for a Kiva loan, her first financing with Fundación Mario Santo Domingo that she’ll use to buy hair treatments and cosmetics as well as a display case to keep her inventory well-organized. Her Kiva loan’s success rests on her vast experience and her managing to lower costs by being able to pay cash for larger amounts which is precisely what Leyla is pursuing.

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Translated from Spanish by Kiva volunteer Polliz



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