A loan of $625 helped to buy mainly shoes and clothing.

Sandra Patricia's story

Sandra, 38 years old, lives in the municipality of Soledad in the metropolitan area of Barranquilla with her two children, 15 and 18 years old. There she earns income by selling merchandise in a general store or business located in her own house. Her main products are clothing, shoes, cosmetics, and stationery, which she sells on a cash basis to customers from the neighborhood and surrounding areas every day starting at 9 in the morning and ending at 9 in the evening or later, if necessary. The idea of selling merchandise initially came to Sandra 8 years ago, and because of this she chose to join up with a multinational company to sell its products through catalogues or specialized product guides. Little by little she bought display cases with her earnings, and then her own premises, in which she can still be found and from which she distributes her products in cash to the end customer who buys it at retail. Lately she has been offering communication services by the minute, which generates new income. In this way she makes the most of her land line customers with the goal of boosting both businesses. Her goal is to achieve a wide variety of products and find a new place of business or branch with this same concept. Her capacity to buy in order to satisfy the growing demand is getting smaller and smaller, but her desire to grow is persistent. Therefore, she is taking out a Kiva loan, the first financing she has had with Fundación Mario Santo Domingo. With it, she will buy mainly shoes and clothing, since she wants her customers to be really elegant when celebrating Christmas and the New Year with family, and for them to be satisfied with the purchases made at her business. This is just what will make her Kiva loan successful: Sandra knows the market and knows how to take action in it to engage in win-win negotiations.

Translated from Spanish by Kiva volunteer Karen Monat

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